davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-07
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: TD BANK US HOLDING COMPANY (FL)

On XXXX XXXX, XXXX I filed a dispute about a charge I did not make on my TD Bank credit card. The charge was by XXXX XXXX XXXX  on XX/XX/XXXX for {$65.00}. I also attempted to contact XXXX XXXX XXXX at the phone number that appeared besides the charge XXXX but it said the number was not in service. So I looked up XXXX XXXX XXXXXXXX online and could not find a local place to call. Instead I noticed there were numerous complaints filed on the XXXX XXXX XXXX website. 

On XX/XX/XXXX the bank wrote to me asking for either " a copy of the credit receipt '' or " written documentation stating that the disputed transaction is to be credited to my account. '' I had just returned from a vacation and I did not open this mail until XX/XX/XXXX and tried to call but the dispute department was closed for the weekend. Over the weekend I attempted to send a fax 2 times, but there was " no answer. '' So I called first thing in the morning on Monday, XX/XX/XXXX and spoke to a " XXXX '' to ask " How could I provide these things when I had no idea how to contact the vendor? '' I told her I could send a letter stating that I did not make or authorize the charge. I tried to fax the letter 4 more times to 2 different numbers XXXX provided, but the faxes would not go through. I also went to a local XXXX bank and asked them to fax for me. They told me it did say " Fax sent '' on their computer, but they could not provide me with a printed receipt ( since it was all electronic ) but they showed it to me onscreen. Plus ( as a backup ) I mailed the letter on XX/XX/XXXX, and asked to speak to a supervisor to make sure it would be accepted. XXXX told me a supervisor would get back to me. Later that day I called and reached XXXX to tell her I had not heard from the supervisor. She said to be patient. When no one called me after 24 hours, I called back and spoke to " XXXX '' on XX/XX/XXXX. I asked if TD received my fax and she said faxes take 24 hours to process. When I told her it had already been 24 hours, she said it was not in my file. I told her I was supposed to get a call back from a supervisor, but no one called me. She said the supervisors were very busy, but she was noting my file and someone would call me. I waited patiently day after day for over a week and not one supervisor called me or confirmed receipt of my letter via fax or mail. Instead, today I received a letter written on XX/XX/XXXX saying that " We have attempted to contact you by phone and in writing to obtain necessary info ... and since we have not received a response ... we are closing our file regarding this matter. ''
Consumer complaint received 2023-02-14
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. (MD)

I sent a letter last XX/XX/2023 to remove this account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again., ( Original Creditor : ) XXXX Balance : {$910.00}.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MI)

Company my dispute is with is US Bank. In XX/XX/XXXX I spoke with US bank and let them know that my wife and I had recently had our daughter, and that I was running behind on that payment due to my wife being XXXX and out of work. Anticipating the labor and delivery costs and temporary loss of income I proactively wanted to resolve this as soon as possible. I have never missed any payments on anything in the 12 years my credit has been established, I also never missed a payment on my previous mortgage. I was told that the XX/XX/XXXX payment would be marked late and that I would be in a payment arrangement starting the next month in which, as long as I made the payment arrangement amount, nothing would adversely impact my credit or show late on my credit except for the XX/XX/XXXX payment. I accepted the one late payment, and proceeded to make every payment arrangement payment on time. I called in frequently as records should indicate, and constantly reached out to make sure that everything was good on my mortgageand every time I was told that I was good and to continue making payments. Following the advice that I was given, I still was marked late for many months on my credit report. If I had known my credit would be impacted this much, I never ever would have entered into a payment arrangement and instead made a double payment after my month of hardship to bring me current. Never would I allow my credit report to be marked late that many times if I had any indication. I have spoken to many different customer service representatives, today a conversation lasting around 58 minutes to assist in resolving this issue.l and was hung upon when they couldnt give me an answer. I feel that I have gotten the run around ... Ive called at least 20 times, even with assistance from another mortgage professional ... and still..no one has helped me. Ive been hung up on and treated very poorly. Ive put in a dispute with US Banks default reporting department, sent an email and at least 4 faxes to their credit reporting department, as well as filing disputes with all 3 credit bureaus. The loan has been paid in full as of XX/XX/XXXX.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX is reporting incorrect information to my credit report. I paid them off and on Experian they updated my credit report to say I have a past due balance of XXXX dollars. I have no past due balance it has been paid and settled. Today I went to my transunion and they had the balance at XXXX and now falsified a balance of XXXX XXXX XXXX. This is company is placing fraudulent charges on me when I have cleared my debt. I want this information to be erased completely from my credit report since they can not clearly get this information right, I may have to take other necessary legal actions if this information isnt removed from my credit report how do you add a balance to a paid off account.
Consumer complaint received 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (PA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX XXXX XXXXXXXX in Equifax, balance is {$210.00}, and account # XXXX
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 accounts 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 inquiries and personal information : PAVE RIGHT Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

It's been over a week since my DM and no response ( DM reposted below ) so as a next step I have filed a complaint with the Consumer Financial Protection Bureau. You have gone from a friendly, consumer focused bank to a non-caring, unresponsive organization that doesn't value its customers. It's sad. 
-- -- - I've been a Capital One customer for nearly 40 years. Some time ago, I opened a XXXX account to buy and redeem US treasury bonds and used my Capital One account as the source of the funds- the Treasury simply withdrew the money from the account, using the bank 's routing number and my account number. I did this for several years. Recently, however, Capital One unilaterally converted my checking account to a " XXXX account '' - it's new product - and in the process changed the Bank 's routing number. That means that I can not use the account to purchase additional bonds or redeem the bonds that have matured unless I first change the routing number on file with XXXX. XXXX does not permit changes to routing numbers online ; rather, they require a Form XXXX which must be signed by me in front of a bank officer, and that officer must sign, certify and affix an official seal or stamp to the form. I went to Capital One to complete the form and have them sign and affix the required seal or stamp, but the Bank told me " we don't do that '' - they won't sign and affix the seal or stamp. So Capital One caused this problem but they won't fix it.
Consumer complaint received 2019-12-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data Search NY, Inc. (TX)

On or about XX/XX/2019, I received a citation about a lawsuit being filed against me on behalf of XXXX.The suit was brought by XXXX XXXX  XXXX on behalf of XXXX XXXX  as plaintiff. SXXXX XXXX XXXX is a law firm acting as a debt collector. 
I called XXXX XXXX and they said they had referred the account to a third party debt collector, TrakAmerica and that I had to call them about the account. I had many discussions with TrakAmerica ( I had never received anything in the mail from them ).  They claim they are not a debt collector, but that they refer accounts for their clients to debt collectors. They said that XXXX XXXX still owns the account. They said I would have to contact XXXX XXXX XXXX about the account. 

On or about XX/XX/2019, I mailed a certified letter ( tracking XXXX XXXX XXXX XXXX XXXX ) to TrakAmerica, requesting validation that they had the authority to collect this debt ). I received no response from TrakAmerica. 

On XX/XX/2019, at @ XXXX XXXX, I spoke to XXXX XXXX who stated she was a manager at TrakAmerica. I thought when she answered the phone that she said her name was XXXX XXXX. I was transferred to her by XXXX who answered the phone after a 45 minute wait time. I found out from XXXX that TrakAmerica does not send out collection letters or collect debts. That they just refer accounts to debt collectors, in this case XXXX XXXX XXXX. I was not aware that it was legal for a third party, who does not own the account, to refer an account for legal action.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

The County Recorder of Bankruptcy courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder U.S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public records entries on my credit report, neither will they ever be by them, They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are report by third party sources  unawares to the consumer, and in most cases, incorrectly. Considering the information currently showing under my social security number to be PERMANEMTLY DELETED from my credit report immediately.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC. (NV)

I made two transfers from my Savings account. One was an ACH to XXXX for $ XXXX from Ally Bank XXXX The second was for bank to bank transfer from Ally Bank to XXXX XXXX for {$16000.00}. This was on XX/XX/23. XXXX XXXX was my fault, I didnt have sufficient funds. This amount never made it to XXXX XXXX account before it was requested back from Ally because of insufficient funds. Ally already had that money coming back but locked my account so I couldnt see when it returned. After several calls and several days, I had access back to that account because the {$16000.00} was returned. The problem now is the {$9400.00} was requested back from Ally. After three more calls to Alley, they now found the funds, created a case number ( # XXXX ) this was on XX/XX/23. As of XX/XX/23, the account is still under investigation and no funds have been returned to my account. The call today also said, they dont know when it will be returned. This is well after their 3-5 day policy. I want my funds back into my account, that really should have never been requested back because they had already the funds from XXXX XXXX. That more than covered the funds.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!
Consumer complaint received 2022-10-01
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. (AL)

I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.
Consumer complaint received 2019-12-07
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. (PA)

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have called and communicated with both the creditor and the credit bureau to delete the inaccurate information, but information still has not been removed.
Consumer complaint received 2019-12-07
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 (NC)

I had a Capital One Quicksilver card with a 0 % promotional interest rate which expired in XXXX this year. I carried a large balance, paying somewhat more than the minimum each month. Neither the statement dated XX/XX/XXXX nor the statement dated XX/XX/XXXX said anything about the end of the promotional period and the need to pay off all charges to avoid interest, but knowing that the promotional period was ending, I paid the entire amount by the due date for the XXXX statement, XX/XX/XXXX. I was shocked today on my online account to see an interest charge of {$150.00}, dated XX/XX/XXXX. I called customer service and the agent I spoke to agreed with me, saying he would have assumed the same as myself, that paying off the balance by the due date would avoid interest charges. I was on hold for about 10 minutes, during which he spoke to his superiors, but the response was that the promotional period ended earlier in XXXX, I was responsible to know that from the documents they sent me in XXXX of 2018 ( even though no statement since then provided that information ), and they would not waive the interest charges. I asked to speak to the person the customer service rep spoke to, which wasn't possible. So I spoke to a supervisor who simply repeated that information. I closed the account. 
However, I still have the {$150.00} charge on the account and I presume if I don't pay it there will be late payment fees, etc. 
I have had credit cards with promotional rates from other companies. In every case they have provided clear information in the statements about when balances must be paid off to avoid standard and deferred interest. Without such information, the monthly statement at the end of the promotional period is quite misleading. 
Consumers should be able to know that, in the absence of other information in the statement, if they pay off the balance by the due date there will be no interest charges or fees.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XXXX of 2018 Nissan Infiniti LT reported to the 3 credit bureaus XXXX XXXX and XXXX that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but Nissan- Infinity LT does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Today I received an email an account was attempted to be open in my name at Bank of America. It was for a Bank of America Advantage SafeBalance Banking Account. 

This is the second attempt is less than a year. The first attempt was XX/XX/XXXX. The second attempt was today XX/XX/XXXX. 

I do not wish to bank with Bank of America and I continue to have issues with fraudulent attempts to open accounts in my name with them. 

When I try to call I have no account info so Bank of America will NOT assist in confirming accounts with my name and info are NOT opened or in use.
Consumer complaint received 2019-12-07
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. (TN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Account is inaccurately reporting 11 missed payments on my credit report. This account has never been late. I have sent several communications to the credit bureau and creditor and I have called several times for them to delete the late payments due to the inaccuracy. But the information is still showing on my credit report. Even though they have stated they would be removed.