davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

I am a woman owned automotive repair company. I am here by myself. I hire people to work per day. For some reason, TD bank will not give my financial partner snd I separate usernames for online and we keep getting locked out of our account. One month i see a charge from XXXX XXXX. Knowing ive only uses that like once a long time ago, I call to inquire. Turns out there are many small transactions in total of 1300 dollars. I am sick to my stomach but td says they will look into it and as long as it wasnt me, everything would be fine. Fast forward a few weeks I am attempting to make a business purchase and my card is declined. They reversed the credit with no reason or letter or warning. Then the overdrafts start. i tried to call them snd go to the branch they do nothing but argue with me. Ive heard TD does not have their customers backs when they get scammed. I dont have time to chase a huge corporation like this, it isnt fair.
Consumer complaint received 2021-12-30
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc. (CA)

Credit management placed an old XXXX account # XXXX on my credit report. I spoke to credit management in XXXX of 2021 and explained the account wasn't mine and that I have a current XXXX account. The rep told me that she would place the matter in dispute and that no further action is needed on my end. Then Credit Management called XX/XX/2021 regarding the same matter. I explained to them that I already disputed the matter they said it was never submitted and resolved and that they would resubmit the dispute and no further action needed to take place. Then several days later the place this matter on my credit report while I'm in dispute.
Consumer complaint received 2021-12-30
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later and I have not yet received a response. I feel as if I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) of the Fair Credit Reporting Act states that a failure to investigate these items within 30 days provides a reason to immediately remove those items from my credit report it has been over 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC (NC)

I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with FLAGSHIP CREDIT ACCEPTANCE sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies being in XXXX of 2020 til present and yet they refused to remove this fraudulent account.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I have not been able to view my EQUIFAX credit report since XX/XX/2021. Also, when I have applied for credit or responded to pre-approved offers, my EQUIFAX credit file is completely blank with a ZERO 0 in each field as if my own data doesnt exist. 

To mortgage companies, banks, credit card companies, and insurance agents, this show up as No File Found, and so Im denied credit and insurance products. 

I had trouble getting through to speak with an agent at EQUIFAX, because the system asks for your personal information. My personal identifying information like social security number and date of birth is attached to no credit file. The agent was able to see the file after an hour of pleading that I have a 28 year active credit history. He explained the report is in fact no longer available digitally and that I have to write a letter via USPS, wait for a technical team to get approval to print a copy, the send the paper report out in 10 business days. 

All US banking institutions require instant in immediate digital access to credit files in order to make credit decisions. 

Because EQUIFAX has removed my file, I am not able to refinance my mortgage now for 5 months and am losing out on low interest rates, which of steadily increased each month with my inability to see my FICO scores or file. I also can not receive credit line increases or open any new loan with companies that rely on EQUIFAX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2022-05-26
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ERC (IL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC (NC)

Sunlight complaint In XXXX XXXX, I signed an agreement for sunlight financial to finance my solar panel installation which was being completed by XXXX XXXX for approximately $ XXXX XXXX XXXX  did the initial installation ( panels etc ) in XX/XX/2022 but never completed all other required steps including state inspections. Regardless, Sunlight Financial proceeded to disburse funds to pink energy without first confirming with the person on the hook for repaying the loan to confirm the project was substantially complete. Fast forward - the solar system is not functioning due to incorrect installation but sunlight Financial has refused to admit wrong doing and stop payments. Multiple attempts to get them to reason and admit their lack of internal controls has resulted in this predicament has proven futile. Sunlight should have asked me to confirm completion of project prior to disbursement of funds. XXXX XXXX is now defunct and as a result, Im stuck with repaying a loan for something that does not work.
Consumer complaint received 2021-12-30
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. (UNITED STATES MINOR OUTLYING ISLANDS)

On me TransUnion XXXX XXXX credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as TransUnion and XXXX XXXX to remove but they have not don remove the XXXX The only numbers I have of is XXXX and XXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (TX)

I received a letter from Security Credit Service in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Frost-Arnett Company (PA)

I RECEIVED A BILL IN THE MAIL FROM XXXX XXXX XXXX XXXX XXXX ONE AND A HALF YEARS AFTER THE DATE OF SERVICE. THIS {$130.00} IS A CO-PAYMENT FOR A XXXX PERFORMED IN XXXX OF XXXX!! THEY JUST SENT ME TO COLLECTION EVEN THOUGH I SENT THE MY INSURANCE NUMBERS FOR MY SECONDARY INSURANCE [ XXXX XXXX  ] BACK IN XXXX OF XXXX. I ASSUMED THIS BILL WAS PAID. I SPOKE TO XXXX XXXX  TODAY AND WAS TOLD XXXX XXXX XXXX NEVER SUBMITTED THE CLAIM TO THEM FOR THE CO-PAYMENT. I ALSO RECEIVED A LETTER FROM XXXX STATING THAT MY CREDIT REPORT HAS DECREASED AS A RESULT OF THIS. XXXX ALSO TOLD ME THAT THE CLAIM WAS NOT SUBMITTED " IN A TIMELY MANNER '' AND MOST LIKELY WOULD NOT BE PAID NOW. I WANT THIS BILL EITHER WRITTEN OFF OR PAID BY XXXX XXXX XXXX AND ALSO I WANT THEM TO WRITE A LETTER OF EXPLANATION TO THE CREDIT COMPANIES, XXXX, XXXX XXXX, ETC. I AM A XXXX LIVING ON SOCIAL SECURITY AND CAN NOT AFFORD TO PAY THIS NOW, ESPECIALLY SINCE IT WAS COVERED BY INSURANCE. I AM ALSO NOTIFYING THE AREA ON AGING AND WILL GO TO LEGAL AID ON MONDAY, TO REPORT THEM. FYI : XXXX XXXXXXXX XXXX name was changed to XXXX XXXX and so that is the reason it took them so long to send me out a bill?? This bill was for a XXXX after which I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, resulting from the machine not being set up properly? I should have sued them back in XXXX.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: PENTAGON FEDERAL CREDIT UNION (TN)

XXXX weeks ago ( XXXX XXXX, 2022 ) I applied for a gold credit card offered by my credit union. I was approved and the account can be viewed online through my credit union. After one email and three direct calls to credit union I was told there is a plastic shortage in the USA and they can not give a date for me to receive my credit card. I believe it is a lie. I have called my three other LARGE financial institutions ( one credit union and two LARGE banks ) and they told me there are NO plastic or chip card issues and they do issue the actual credit cards. 
I asked what are alternative ways I can access my line of credit and they said there is no way to access it. So I countered and said that it could be next year that I get my credit card and was told possibly, yes. 
I want this matter looked into and have the truth be told. If I do not get the card I will close my account due to bait and switch practices.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC (TN)

On XXXX XXXX someone applied to two different credit card companies without my permission. I have contacted each company involved and they stated they will complete an investigation. But it will take some time to remove this information from my credit. I do not want this to be on my credit as I am not the person who authorized these cards. XXXX and XXXX XXXX also know as XXXX XXXX are the two companies who issued the cards.
Consumer complaint received 2021-11-22
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. (MI)

I have I sent out multiple request for the following accounts to be reviewed or removed from my credit report due to no response from the creditors : XXXX XX/XX/2021 AND XX/XX/2021 ( NO RESPONSE ) XXXX XXXX  XX/XX/2021 AND XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 AND XX/XX/2021
Consumer complaint received 2023-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

I have been paying my student loan for over 10years. I have had direct student loans and submitted a public service loan forgiveness application multiple times for XXXX public schools and XXXX police department. I am requesting that my payments made to my previous providers be counted towards my loan forgiveness. XXXX, XXXX XXXX, XXXX etc. my current provider is Mohela. Its been related to me via Mohela Representatives that my current count is XXXX of XXXX. That is inaccurate and I am requesting that the adjustments be made. Thank you for expeditiously expediting my request.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2015-12-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (NJ)

Re : Non Receipt of Cash at XXXX ATM-Amex Debited Checking Acct Chronology of Events 1. XXXX XXXX 2015- Requested {$700.00} cash from ATM but did n't receive cash. Received a receipt stating I exceeded the daily limit allowed. 
2. Called Bluebird Amex and spoke to customer service rep XXXX ID # XXXX in XXXX XXXX XXXX Utah and informed him of what transpired. He then informed me to email or fax the ATM receipt along with a statement of what occurred to the Prepaid Dispute Processing Dept. 
3. I also spoke with customer service rep XXXX ID # XXXX. She also explained that the investigation what take approximately 10 business days, and in the interim I would receive a provisional credit of {$700.00} 4. I informed XXXX this was an emergent matter that needed to be remedied ASAP as it 's affecting my ability to pay my rent for XXXX and other financial obligations. 
5. I faxed and Email my letter to the PDPTD on Friday XXXX XXXX, 2015 and was received on Monday XXXX XXXX, 2015. 
6. XXXX XXXX 2015- Spoke with XXXX-XXXX Branch Administrator and explained the situation I experienced with their ATM and he requested that I fax a copy of my ATM receipt to his attention. 
7. XXXX XXXX 2015- Spoke with XXXX to follow up on ATM receipt I faxed him yesterday and he informed me after examining the receipt that the ATM rejected my request for {$700.00} due to it exceeding the maximum daily request. He also pointed out to me at the verbiage at the bottom of the receipt where it states in part " REQUEST EXCEEDS DAILY LIMIT '' as proof and evidence that the ATM never disbursed the {$700.00} cash that was requested. 
8. Spoke with XXXX, Acct Mgr. to get an update of situation and was informed that I my account would receive the provisional credit on XXXX XXXX 2015. 
9. Also later spoke with XXXX-Amex Bluebird Cust Svc and informed her of what I had been told by XXXX Mgr.-Vito about the ATM situation. I also gave her XXXX 's phone number to contact him to verify what was told to me and she informed me that she would notate the information and forward via email to the dispute processing department. 
10. XXXX XXXX XXXX Received email from Prepaid Dispute Processing Dept. stating that investigation was completed and it was determined that no credit is due and the transaction will remain on my account.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (AZ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ordered some items from a website ( XXXX XXXXXXXX XXXX ) in XX/XX/2021, but they were incorrectly made and not what was advertised. Per conversation with the store, I sent them back in XXXX to get the correct items made and shipped. I was told on XX/XX/XXXX via email that the order would be shipped back to me XX/XX/XXXX from XXXX to XXXX, TX with tracking sent then. Ive ordered from this company in the past and shipping takes 3 to 5 business days maximum. 

I begged them to send my items in time for the event I had ordered them for back in Mid XXXX but they refused to get me the order. I told them I didnt need them after XX/XX/XXXX, and the only acceptable option for holding everything a month past when it was promised, would be a refund. 

I still have no order from them and it is now XX/XX/XXXX. 99 days later. 

I have done everything to work this out with the vendor in time to get the things I needed and they purposely held my items and told me via text that they would not send anything to me unless I first closed the case with my bank, Capital One. 

Capital One told me to keep the case open until I received the correct items to ensure I would get them, and I did that. Capital One told me I was safe to not be charged for the order since I never got it. 

However, somehow the bank has sided with the vendor and charged my account, while I still have not received my order. 

They said the vendor told them we had worked something out. This is false and nothing was ever worked out or received.
Consumer complaint received 2021-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My creidt score is and was always in the XXXX. 
I am a US VEteran. 
I never received a call notification from a hospital bill ( from the XXXX XXXX ) The bill was {$300.00} dated on 2013. 
Three weeks ago my credit score went down to XXXX and as of now it's still XXXX