davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 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
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX, XXXX, XXXX  and XXXX XXXX to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  Via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX XXXX
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Credit Corporation (NJ)

The company responded to the CFPB ( Consumer Financial Protection Bureau ) through complaint number XXXX with a letter dated XX/XX/, 2019, after the long scripted letter, they claim to have identified an " isolated process issue ''. It is claimed that they credited the closed account the {$2.00} overcharge mistake in which they made. Three days later this never happened. In fact, it is unbelievable that someone has to jump through so many hoops to have this shady company fix a rather minor issue. I invite the CFPB to do an audit, as I am most sure that I am not the only individual that this happens to, obviously, this shady company is banking on the notion that customers won't take the time or effort to fix the errors in which they make.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-08-02
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: Credence Resource Management, LLC (NY)

Credence RM is reporting a fraud acount on my credit. 
I didnt open this account nor did I authorize anyone to open it on my behalf Please note the attahed FTC reporta and my driver license. 
Plese remove it from my credit
Consumer complaint received 2019-04-06
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: HUNTINGTON NATIONAL BANK, THE (IL)

On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, and Huntington N.would like to address this immediately and get these negative hard inquiries removed from my credit report as soon as possible please and thank you in advance.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2019, I was attempting to make a purchase with my Capital One credit card. My card was declined. I logged in to my XXXX app and learned that my credit card account was restricted. I spoke to the customer service agent with Capital One, who informed me that there was a bankruptcy associated with my account. I assured the representative that I had never filed for bankruptcy and that was inaccurate. The representative then transferred me to a supervisor who informed me that someone would get in touch with me in a few business days with the resolution, or I could call to check the status of the issue. The representative, XXXX, said that she would email the bankruptcy department to have them investigate this. 

My account was reinstated so I did not follow up with Capital One at that time. Today, XX/XX/2019, I checked my account to ensure that my auto pay transaction completed as scheduled, and saw that my account was again restricted. I spoke with a representative who told me that I filed for bankruptcy on XX/XX/2019. This is not accurate. I asked for the city, state, etc of the filing. I was told that they did not have that information. I asked for the attorney 's name. I did not receive that information. I was told that they receive information on the filing of a bankruptcy in one of two places : the customer or the attorney. I did not notify capital one of a bankruptcy I did not file. I do not have an attorney. I contacted my local bankruptcy court who confirmed that I did not file for bankruptcy and there was no bankruptcy filed for my social security number, name, or the case number that was given to me. 

I called once again on XX/XX/2019 after speaking to two local bankruptcy courts, and attempted to get more information once again so that I could investigate the bankruptcy allegedly filed in my name. I was told after almost an hour on hold that they could not give me any information without getting the information from the bankruptcy department. The bankruptcy department was already contacted On XX/XX/XXXX, and this information should be readily available to me, the consumer, especially after a previous complaint. This treatment of a customer of over 10 years, with an account in good standing as well as an auto loan that seems to be unaffected by this erroneous problem, is wholly unacceptable and I intend to tell anyone considering doing business with Capital One to reconsider.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my XXXX XXXX i was utterly shocked to learn that i have been a victim of XXXX XXXX  i found XXXX accounts on my XXXX XXXX that were not opened by me. this has been hurting me as i am in the process and trying to buy a XXXX  for my family. 

Account name : 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 2019-12-18
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. (WA)

I had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

The weekend of XX/XX/XXXX I was watching my account as I was spending my money and all of a sudden I was hit with so many overdraft fees that it was crazy! They garnished my whole check twice! I was supposed to have overdraft protection! This was the worst experience I have ever had with a bank!! I closed the account because they didnt want to give me back my money.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. Capital One is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of Capital One shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations. My account is disputed in its entirety yet Capital One does not report my account as disputed. XXXX XXXX XXXX guidelines and report my account permanently as Disputed.
Consumer complaint received 2022-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX two outstanding bills. I advised company in XXXX, XXXX, and again on XX/XX/XXXX, with a three way call with XXXX  ( XXXX XXXX ) and my insurance company ( XXXX ) that bills are not outstanding and were paid by XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. elec pymt XXXX and XXXX on XX/XX/XXXX amount of XXXX and chk no XXXX XXXX on XX/XX/XXXX for XXXX in spite of this the accounts were still sent to AWA collection agency. many subsequent phone calls to bith XXXX  and awa. On XX/XX/XXXX XXXX  says AWA to remove these charges. AWA says has no notification from XXXX. My acct sent to three credit bureaus XX/XX/XXXX. Now my XXXX XXXX XXXX affected by this action. I am XXXX yrs old and XXXX inefficient accounting department has caused undue stress in my life for two bills that were paid yet not properly noted as paid18 months ago. in the hospital in XXXX XXXX and XXXX XXXX XXXX  for a XXXX XXXX. this is not helping.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> approximately XXXX. I went to Chase Bank XXXX XXXX XXXX ( in the XXXX shopping center ). I exchange : - {$100.00} in XXXX- {$100.00} in XXXX- {$40.00} in XXXX- {$20.00} in quarters The Teller repeat the request and gave me XXXX rolls of quarter then proceed to count all the bills through the money counting machine. He then put all the money in an envelope and gave it to me. I trusted the teller and the machine so, I took the money without recounting it. When I took out the money to place in the eggs for XXXX XXXX XXXX I was short {$5.00} in XXXX dollar bill. I counted it over and over XXXX time before handing the money for my husband to recount. 
I called the branch office where I exchange the money, no one pick I call over 4 times and each time the message was they are busy with customers and to call the Chase XXXX Service. I spoke we XXXX of the customers service and was informed they are not at the location and for me to go to the location. I went back to the location and spoke with the Teller, I informed him I was short {$5.00} and for him count his drawer to see if it was over {$5.00}. He told me he willI never heard back from the bank. 
Its not about the {$5.00} that Im complaining. Its the principle of trust that I placed in the bank. Just how many more of these shortages that customers are not aware of.

Thank you in advance for your attention towards this issue.
Consumer complaint received 2021-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-12-18
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (FL)

It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa TD Bank, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to XXXX XXXX XXXX. I called XXXX XXXX XXXX and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/XXXX, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at VisaTD bank - Mr. XXXX told me all the time that Visa TD Bank never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by TD VISA Bank that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/XXXX.  Again same answer, nobody can help me because my debt was sold to XXXX XXXX XXXX. The same day I called XXXX XXXX XXXX and samething Mr. XXXX will not take my calls since back in XX/XX/XXXX. Never returned any messages since XX/XX/XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/XXXX, Mr. XXXX took the call and told me that TD VISA Bank gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.
Consumer complaint received 2021-12-14
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: EQUIFAX, INC. (DE)

I pulled my credit report and discovered there were inquiries that were never authorized. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (MA)

I opened checking and savings accounts with TD Bank on XX/XX/2022. I was told my checking account was closed by the fraud department on XX/XX/2022 and the balance was mailed to me via check. However, till today ( XX/XX/2022 ), I still haven't received the check! 

Before they arbitrarily closed my account, the account had been locked by the bank because of some transactions ( money transfers ). For that, I made 3 phone calls and 1 local branch visit to verify those transactions. However, the account was eventually closed by the fraud department, and I never got any reason for the account closure. Then I chose to close my savings account in a branch because I had no patience with TD bank anymore.

Since I haven't received the check for the checking account, I had to visit the branch again. This time, they said they have nothing to do but file another request. They gave me the phone number of the Fraud Resolution department and ask me to make the phone call on my own. On the phone call with the Fraud Resolution department, the representative again filed another request ( sending another email ) to some backend team to inquire about the status of the check mailing. 

I have lost hope to be able to get my money back and feel very exhausted. I regret that I chose TD bank for checking and savings accounts. I hope I can get some help from the federal regulator.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Account balance of {$490.00} was due on XX/XX/XXXX.

I paid {$500.00} on XX/XX/XXXX On XX/XX/XXXX a {$5.00} interest charge was applied to my account.

I spoke with with someone in Capital one regarding this situation. I was told that this charge was from the previous months billing cycle. The previous Statement balance of {$420.00} was due on XX/XX/XXXX. To my mistake, I made a late payment of {$600.00} on XX/XX/XXXX. On XX/XX/XXXX a {$27.00} late fee was charged to my account ( which I am not disputing ) and on XX/XX/XXXX an interest charge of {$9.00} was charged to my account ( I am not disputing this as well. ) They are telling me that they are charging me interest 2 months in a row on an account that had a negative balance because I had the late payment in XX/XX/XXXX. Can they do this? After being on the phone and telling them I was filing a complaint with the CFPB they agreed to remove the charge. I was told in the future if this happens again they won't remove the charge and that yes they can charge interest on accounts that have a XXXX balance.
Consumer complaint received 2018-03-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I submitted a new offer in XXXX with zero response and the foreclosure is XX/XX/XXXX-18. This house has been marketed since last XX/XX/XXXX and I have already spent XXXX of my money to market this home. The problem is that no one can afford the XXXX taxes which is XXXX a month in just taxes. I beg you to please consider this offer so we can close in 30 days and just cut our loses at this point. If the house goes foreclosure it is going to sit there vacant for another 2 years.
Consumer complaint received 2023-02-21
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. (GA)

I have an account on Equifax for XXXXXXXX XXXX  showing as closed, not more than 2 months past due and the account is closed, current according to XXXX XXXX and the other two reporting agencies XXXX and XXXX. This needs to be updated
Consumer complaint received 2021-06-04
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: CITIBANK, N.A. (NY)

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX MACYS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (OK)

Hi have a health savings account with XXXX XXXX XXXX. After I left my job, I received a letter that my account and funds had been transferred to another provider. I called XXXX to have a new debit card sent. They were unable to find my account. After multiple calls, my account was located and a debit card was mailed. I did not receive a new card. I called again in XX/XX/ to request another card be mailed. They said it was mailed and I didn't receive it. I've since called XXXX XXXX XXXX times and I've yet to receive a card. The company has had my money for over a year and I have had no way to access it.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have previously disputed XXXX XXXX XXXX XXXX  XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.