davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-04
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: Experian Information Solutions Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB DEPENDENTS CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

TD enrolled me into their discretionary overdraft program without my consent and then displayed my transactions online/in their app in a different order then they are posted making it impossible for me to keep track of. 

XXXX XXXX XX/XX/20 XXXX, I was charged {$170.00} in fees, but my balance was only - {$170.00}. If my balance was displayed properly I could have avoided the issue. Also, TD posted the transactions in a way that benefited them and my balance should be {$2.00}, not XXXX XXXX. 

I attempted to resolve the matter over the phone, but they were only willing to credit a portion of the egregious fees that I did not consent to incur. They were also unable/unwilling to provide me proof that I actually signed a contract with them agreeing to said fees.
Consumer complaint received 2020-02-19
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. (TX)

I sent dispute letters to XXXX and TransUnion on   XX/XX/2020 and they did not give proof of how i was late on my XXXX card. I was never late paying my card.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CO)

Summary : I successfully opened Citibank checking and savings accounts, received email notifications, and a debit card. I deposited the majority of my salary and savings into these accounts. When I attempted to make a payment transfer, Citibank, without any prompt notification, locked my accounts. This has rendered me unable to cover my essential living expenses in a timely manner.

Citibank 's Proposed Solutions : ( 1 ) Visit a branch to discuss the issue.

( 2 ) Wait for at least 3-4 months for them to close my accounts completely and mail a check to me.

Reasons Why These Solutions Are Unreasonable : ( 1 ) I have evidence proving the legality of my funds, but Citibank decided to close my accounts without consulting me for this evidence.

( 2 ) Despite informing customer service that the transfer was initiated by me and successfully passing security verification, Citibank still froze my account citing suspicious activity.

( 3 ) Waiting for a check for 3-4 months means I would be unable to access most of my funds, making it impossible to pay credit card bills, rent, and affecting my credit score significantly. Additionally, there is a risk of the check getting lost in the mail, leading to a potential loss of funds.

( 4 ) I reside in a state that has no Citibank branches. This solution would require me to incur travel and accommodation expenses to another state, which Citibank refuses to cover, forcing me to spend money to reclaim my own funds.
Consumer complaint received 2023-01-21
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. (NJ)

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Kindly read the letter I have attached, giving you the synopsis of the case, sent XX/XX/XXXX to the new servicer. Shellpoint who was unaware of this information, prior to assuming the servicing rights. Two attorneys XXXX XXXX and XXXX XXXX were convicted of fraud by the United States Federal government and required to pay restitution - XX/XX/XXXX, via their ancillary business 's that dealt process service. 

Yet the two attorneys noted above, committed other frauds which have yet to be adjudicated, that I discovered during my own foreclosure proceeding that has been going on for 10 years. Such information was only discovered after they were convicted, in XX/XX/XXXX. The XXXX XXXX XXXX intentionally failed to file condition precedent notice requirements prior to commencement of the foreclosure, yet lied to the court that they did so. This occurred in my case and the nearly 38,000 foreclosures throughout New York State, in which I have been privy to review and speak with other homeowners - affecting nearly 10 % percent of the population XXXX XXXX people. 

My home is set for foreclosure XX/XX/XXXX at XXXX XXXX  Please Help --
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (MI)

Myloancare.com has been affected by a cyber security issue and has not been running for a month. Everyones loan is going to be late/ extended because they are refusing payments and advised not to mail checks. No official words sent by company on how they are going to handle late fees/credit bureas etc. Please help us. We shouldnt be punished because of theyre refusal to acccept payments.
Consumer complaint received 2020-02-19
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below :  XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I sent a letter XXXX, XXXX, and Equifax on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter XXXX, Transunion, and XXXX  on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.
Consumer complaint received 2020-02-19
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. (KS)

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to Experian on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Transunion : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-19
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. (KS)

I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (SC)

XX/XX/XXXX i made online purchase from clearance on 2 rumpers ( casual dresses ) on clearance for XXXX clearance discount. I was charged regular price. Initially i was hoing to return to store. But no paperwork came with items only description on bag it was packaged in so I was waiting for my credit card statement so as it neared the 30 day time i called and advised j c penny of the error and i was told it was too late and nothing can be done about it. I was charges 3 x the advertised price for off season summer wear. I also purchased 3 bras on clearance which charged correctly. Acct. XXXX. XXXX XXXX
Consumer complaint received 2021-09-26
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. (PA)

On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with XXXX XXXX XXXX ( XXXX ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX XXXX and XXXX regards to this but no action has been taken.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I want my Extended Fraud Alert on my Experian, XXXX  and XXXX XXXX credit report to list my current address and phone number for creditors and lenders to review and see. Please add my current address and phone number to my Extended Fraud Alert and credit report. Heres my current address and phone number : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a natural person my name is XXXX XXXX the Credit bureau violated my rights the disrespect me they disrespect my rights to privacy XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX NA ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX NA ( Bank ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (PA)

In XX/XX/XXXX a check book for my son 's and my account was stolen and he reported it to Chase and blocked those checks. From XX/XX/XXXX to XX/XX/XXXX XXXX of those checks ( with check numbers between XXXX and XXXX ) with amounts from {$500.00} to {$1000.00} were fraudulently cashed, with most not even having a signature. 
My son reported this on XX/XX/XXXX and only the last check amount was refunded. Chase wouldn't even refund the {$800.00} check cashed on XX/XX/XXXX ( which didn't even have a signature ) claiming that the fraud wasn't reported within 30 days of the initial fraud transaction. 
When questioned about XXXX ) why the cancelled checks were cashed, XXXX ) why checks without signatures were cashed, and XXXX ) why even checks cashed within 10 days prior to the fraud being reported weren't processed they said that checks are only blocked for XXXX year and since the checks were cashed at a different bank, they were not responsible for missing signatures or signatures that didn't match.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Previously I submitted a complaint to CFPB in early XXXX. 

In response, HSBC released my statements that HSBC did not allow me to examine when HSBC closed my accounts without warning in XXXX.

At one time, I had around {$200000.00} with the bank. 

The HSBCs response also reads : If you have any questions, please call me ( XXXX XXXX XXXX Customer Relations Manager ) at XXXX. Im available Monday through Friday, XXXX XXXX ET. Alternatively, you can reach me by email at XXXX. 

Despite my repeated calls and emails, to date, Ms. XXXX XXXX XXXX has failed to reply and explain the missing {$1500.00}. 

Releasing my statements nearly two years later has not resolved the problem of the missing {$1500.00}. 

Rather, this can be considered as a grand theft now. 

For nearly two years, HSBC had failed to send me the balance checks after closing my accounts.

HSBC also denied my access to my accounts prior to closing my accounts. 

As I have I indicated to Ms. XXXX XXXX XXXX, the missing {$1500.00} is related to my credit card reward redemptions and the Regulation XXXX claims. 

The ATM machine outside the XXXX, CA branch had serious issues before it was finally replaced. 

Please review the Regulation E claims at that branch, and Ms. XXXX XXXX XXXX will find a surplus ( at least several XXXX dollars, probably around a XXXX ).
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2019 I called Capital One customer service about a email i received about my online access to my account be " locked '' but an email stating that it was a " easy fix '' and to please call them to get it fixed. When I called on XX/XX/XXXX I was told to check back them within a couple days to follow up. I called multiple times the following month in XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today the XXXX for a final opportunity to tell me whats wrong with my account access. I put through another formal complaint on the XXXX of XXXX where I was told this issue should ben resolved within 10 business days. Today is the XXXX and I am still locked out of my online account access. I can not pay my bills online, see my deposits, or withdraws. I did try going to a local bank branch where the Manager could not access my account either online. Capital One told me that they can see my account online on their end but they can also see where i have had a problem accessing it through my personal computer, tablet, and phone. ( please see my attachments for proof of email through capital one about the issue ) Capital One keeps telling me that their " digital resolution team '' has put this as " high importance '' but its been over 20+ days and still no answer. Capital One did however admit that this is a problem on their end that started this whole issue. They referred to it as a " data profile '' issue.
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC (LA)

Since 2017, McNeil & Meyer has been trying to collect a debt for XXXX XXXX. Throughout that time I have denied the validity of that debt and have asked for debt verification. Previously, they had called me and sent mail to my house. I had not responded because I believed it to be spam and/or fraud. Last year, I disputed the debt and asked for verification of the debt through XXXX  online. At that time the debt was taken off my credit. However, it was put back on my credit report in XXXX of this year and it still has not been verified. Previously, I had disputed the debt and had not been provided verification of said debt. I will be sending a verification letter in the mail, today.
Consumer complaint received 2023-06-23
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. (CA)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I sent a letter Experian, XXXX, and XXXX on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.
Consumer complaint received 2019-12-04
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. (TX)

pulled credit which is a very thin file and i came across 9 inquires on my credit report that i did not authorize and did not sign a contract or agreed to pulling my credit i have contacted experian on several occasions and stated by a worker name XXXX that they do not dispute inquires and i have gotten any where with them