davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has been discriminating against me because Im on XXXX and receiving XXXX benefits. I had {$900.00} saved on my CD and was fraudulently levying me without representation. 

My CD account was emptied. My TD bank secured credit card was paid and never credited for months.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Trans union credit report paid off several accounts they havent removed them from my credit report said they will be on my report even if XXXX  for 7 years unless companies tell them to take them off. What is the incentive to pay off bills if they arent removed from your credit report. And isnt it there job to let the people know they have been pd off. How do I fight this. Ty for listening XXXX XXXX
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (PA)

On XX/XX/XXXX I received an updated escrow analysis from my mortgage company XXXX Mortgage XXXX. This escrow was including my neighbors taxes which the mortgage company had already paid for XXXX. I send them the correct tax information from the county tax collector. They then asked for a legal description of the property to which my attorney sent them the legal deed, and county tax parcel descriptions to the escalation support on XX/XX/XXXX. They then called my on XX/XX/XXXX stating that those are not correct legal descriptions. They will not allow me or my attorney to speak with the tax department directly. 

XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-12-03
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)

XXXX On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

Experian On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. XXXX  received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. Experian failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, XXXX  failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.
Consumer complaint received 2023-03-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023, I received a letter from TransUnion ( copy attached ) with this absurd statement : " ... we were unable to process your request because we were unable to determine the nature of your request or your request was illegible. '' On the advice of my attorney, I'm submitting another complaint via CFPB. 

After being rebuffed by TransUnion several times about the complaints listed below, even though one supervisor told me that, although credit score calculations are dynamic, nothing had changed in my credit file other than credit utilization which went from 3 % to 10 %, that would cause the XXXX point volatility, and that he would have to refer this to a higher authority. I never heard from TransUnion again. 

These 3 complaints are : XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2019-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have made contact with National Credit Adjusters several times about the reported debt in my credit files. On XX/XX/2018 National Credit Adjusters agreed to remove this debt from all of my credit reports. It is now XX/XX/2018 and the debt still remains on my credit reports.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One Credit Card through Costco * Debt originated from automatic annual Costco membership fee of {$55.00} * Attempted to close this account since XX/XX/XXXX, as his Attorney in Fact. 
Capital One refused to accept my valid Power of Attorney ( Attorney in Fact ), along with my valid, current drivers license for identification, even though it was faxed, mailed and emailed to them multiple times. 
Capital One would not discuss the account with me or my attorney. 
* The referenced debt is indeed invalid and is comprised ONLY of late fees and interest Costco eventually refunded the membership fee to me. 
I sent Capital One the {$55.00} owed to them. They promised to reverse the interest and late fees, but have not done so. 
Capital One sold the account to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
My Fear is the submission of a lien against the Estate collect this false debt. 


I am enclosing the following additional documentation : Enclosure 1 : A copy of your letter to XXXX dated XX/XX/XXXX. 
Enclosure 2 : A copy of Capital One letter requesting my personal data dated XXXX. 
Enclosure 3 : A chronological summary of events covering the last year of dealing with Capital One Enclosure 4 : A chronological copy ( newest to oldest ) of faxes sent to Capital One. 
Enclosure 5 : A copy of my Power of Attorney
Consumer complaint received 2022-09-12
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 — Problem with personal statement of dispute
Company: CarMax, Inc. (TN)

In XXXX I purchased my third car from Carmax on XX/XX/2021. I used the carmax financing and set up my automatic payments as soon as I could to avoid any late penalties and because I make it a point to always set up auto pay on all of my bills and payments. I have never been late or missed any payments on any bills and I pride myself on this. Im attaching the email confirming that I did sign up for autopay on XXXX XX/XX/2021. My first payment was due on XX/XX/XXXX but I wanted to make sure it was all set up and good to go ahead of time. 

The confirmation I received said I was enrolled. If there was a problem with the routing or account number I should not have received an email saying I was enrolled. That is a system error and it should not have accepted my routing and account number if something was wrong with it. 


We bought the van to travel to California for the months of XXXX and XXXX. While there, I got XXXX and suffered a XXXX. I was not getting my mail from XXXX but on XX/XX/XXXX I got an email notification that the payment didnt process so I called carmax and talked to someone. If you listen back to the conversation you can hear me asking if anything was wrong and if the payment would go through. They said they couldnt tell exactly but it should be fine. Again, this is a system error, they should have said no it is not processing, we will take your payment now by phone so it will not be considered late and you need to enroll again. 

There was much going on at this time and I left it at that. Sometime in mid XXXX a friend of mine sent me my mail from XXXX and it included a notice saying my account was overdue and it would be reported to the credit bureaus. I called carmax immediately and they told me they would forward on my situation, because it was their mistake, how they could see I tried to enroll in auto payments on XX/XX/XXXX but must have entered the numbers in wrong or some small glitch like that. 

I then re-enrolled in the auto payments and it went through. They said the error was called unable to locate and should not be a problem. They even waived a late fee because they knew it was an honest mistake. 

However I was grieved when I got a letter in the mail saying carmax auto financing would not reverse its decision to report this as a late payment to the credit bureaus. 

Please consider all that I am providing as evidence that my absolute intention was to make my payments in time, I enrolled in auto payments ahead of time just to be safe, I called to follow up when I was notified the first payment was not going through, the person on the phone assured me it should be fine.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (GA)

When I checked my credit report I found hard inquiries that are fraudulent which includes XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/XXXX I accidentally sent a payment in the amount of XXXX to my closed account at American Express. I meant to pay my open account but accidentally sent it via my XXXX Bank bill pay to my closed account number. After realizing my mistake, I called America Express and was asked to submit bank statements to prove that American Express had received this payment. I did this immediately. I have followed up with American Express on several occasions and it is still not resolved. ( 2 weeks ago, American Express told me it was resolved and that I would receive an email the next day, yet nothing was sent. ) I am not sure what to do at this point and need some help resolving this. 

Please note that the account number on page 4 of this complaint is for my active card. My inactive card ends with XXXX.
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I received information from the credit bureau that information that was disputed on my credit file came back verified. What seems strange is that I did their job and requested validation of disputed information and the information that was provided would not be be accurate. Bankruptcy being reported on credit file under incorrect spelling of name how was it verified as mines?? Also XXXX XXXX could not provide validation of debt so how was the debt verified of mines??
Consumer complaint received 2021-09-26
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. (LA)

I filled a compliant with you in regards to my investigation that was performed with the credit bureaus and your response was that " the company responded that I was not an authorized representative ''. I have no idea how that would be so!!! Please re investigate. The old complaint # was XXXX.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

We had a {$2800.00} promotional charge with Care Credit for my husband XXXX   XXXX for 24 months which we are making payment on it based on the Company 's  minimum payment plan with no problem. 
On XX/XX/2019 I used CareCredit card to pay for a {$180.00} to XXXX XXXX XXXX which was not promotional. 
On XX/XX/XXXX I paid CareCredit {$180.00} to payoff this non-promotional charge. I had already paid {$180.00} on XX/XX/XXXX for the promotional XXXX XXXX charge. 
What Synchrony Bank has done is credited the {$180.00} as the payment toward the combination of promotional and non-promotional and is charging interest rate of 29.99 %. So far I have been charged {$6.00} interest on this account. 
I should not have to pay this interest since I have paid the non-promotional charge in less than 30 days which no credit company charges interest if paid in that time. This is HWY rubbery when they give you a promotional credit, which is appreciated and they collect 13.5 % interest on it through the doctors. 
We need your help to fix this matter. People should be aware not to use the credit card if they have a promotional charge on it until such time they pay off that charge. Otherwise the credit card companies charge them unfair interest.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A dispute was submitted regarding Portfolio showing on my credit report that I owe them XXXX for a bill from XXXX XXXX XXXX with an open date of XX/XX/XXXX. I've asked for proof of account being open during that time and they only provided an old bill from XXXX XXXX that was opened in XXXX and discharged in a Bankruptcy. They still did not show me having an open account effective XX/XX/XXXX. XXXX with them or XXXX XXXX XXXX. They are reporting false information on my report and request they submit proof of account being open with them, a contract or any documents regarding an account being open with them or XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-24
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: AMERICAN EXPRESS COMPANY (NY)

I had reported a card stolen and the card was replaced. The new card had a new number. Also, I had automatic bank payments on the old card so I would never have a late payment. 

I made a charge on XXXX ( XX/XX/XXXX ) and the charge was made to my American Express card which was cancelled. The charge should have been rejected since the card was cancelled and I would have used a different card. American I called American Express They said they charged the new card because it was a an automatic purchase and they were allowed to charge the new card. I have no autoship products with XXXX. I also asked if they could transfer payments to the new card how come they did not transfer the auto pay I had set up so my card would never be charged a late fee? They said it was not the same thing. 

I have been a loyal customer with American Express ( I have a second card I use for business ) and normally pay my balance each month. When I received the new card I put in a drawer. I had received a lower rate from a different credit card company and learned if you cancel a credit card it ruins your credit card score. Therefore, I never thought anything was charged to the card. I also teach for the military so sometimes I am away for long periods of time. 

Since I was not aware of the charge and did not have access to my mail I did not realize the charge existed until I returned home. At that point I had a late payment and late fees which exceeded the charge. Plus they reported the late payment to the credit card agencies. My credit card rating is down 70 points. 

I have written to American Express and tried to resolve this and they have not had the courtesy of answering me. Plus they added additional late payments and reported me to the credit card agency again. I have paid off the card. 

I do not mind paying the bill I owe, but since they allowed a fraudulent charge to go through and I was not aware of it they should not penalize me nor should they have reported me to the credit card agency. 

My complaints are : 1. They allowed an unauthorized charge.

2. How can they say they can automatically transfer charges to the new card, but not transfer the automatic payment information? 

I would like the late fees be reimbursed and American Express fix my credit card rating. 
2.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-09-25
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: EQUIFAX, INC. (OH)

I am a victim of identity theft my information was used without my information to apply for a FRAUDULENT CREDIT INQUIRY. I have contacted both the furnisher and credit bureau notifying of this unauthorized acitivty on XX/XX/2021 XXXX XXXX I did not apply this fraudulent inquiry need to be immediately removed by Equifax and XXXX
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

I am filing a dispute through AMEX against XXXX XXXX. I have refused delivery and pickup of an item I supposedly won on some online auction. XXXX will not refund me even though they are in possession of the item ( and have been since XX/XX/XXXX ) and I continue to refuse delivery/pickup of the item. AMEX has all the evidence they need, but still has not decided the case in my favor, even though I have never had the item and I refuse delivery of it. XXXX XXXX. No. XXXX
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

0n XX/XX/XXXX, I purchased a money gram money order for {$390.00} made payable to the US TREASURY my income taxes. I mailed the payment with a letter to the IRS IN XXXX CA. The money order was cashed on XXXX during the government shutdown. I had to send a anther XXXX to the government. I contacted MONEY GRAM 8 times finally on XXXX requested a form for a copy of the cashed money order. Received that on XX/XX/XXXX, phoned that day and requested fraud complaint and they mailed another report. Received that report on XXXX. Mailed that report in and I have phoned this number XXXX times to no avail ( XXXX ) XXXX.
Consumer complaint received 2023-06-02
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Accounts that I didnt open were on my credit report couldnt dispute the charges and account with the 3 major credit services Equifax ( XXXX ) had to eventually pay the amounts they listed to have some form of decent credit score eventually they have started the same things with new accounts not listing paymentsXX/XX/XXXX-present .XX/XX/XXXX Amounts XXXX XXXX XXXX not my account couldnt dispute charges with company or credit reporting agencies they kept resurfacing the debts or amounts owned to company XXXX and XXXX XXXX  ) XXXX overdraft fees and a account I couldn't dispute XXXXpresent XXXX XXXX XXXX  large payments wouldn't post after making them, XXXX  XXXX XXXX couldn't resolve the debt through payments amounts each month card debited without permission services no longer needed they wouldn't remove further cost and fees endless charges for paying certain amounts to process payments on time late fees without being late just endless. XXXX two accounts each month paid accounts on time adjust amount as the recommended they added a account I didnt have they said I had ( 3 ) accounts only had two accounts I spoke with them severaltimes about my concern and they returned my balance to the full credit limit what I owed.