davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

On XX/XX/2020, I made a ACH payment to XXXX credit card. I checked my account and had the funds in my account. All my other payments had been made on XX/XX/2020. All of those payments had cleared or should have cleared. XXXX ACH payment took less than a day. I want to know why my payment did not go through when the money was in my account when I checked. I want to know what my balance said for that day and time that I made the {$43.00} payment to XXXX.
Consumer complaint received 2021-06-16
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. (CA)

I have recently discovered that Equifax ( credit bureau ) has been inaccurately reporting unauthorized inquiries that I do not recognize. The information listed below are the inquiries that are reporting inaccurately on my consumer credit report : An inquiry from XXXX XXXX ( auto finance ) on XX/XX/21, another inquiry from XXXX/XXXX XXXX ( Miscellaneous ) on XX/XX/21. I have requested for the bureaus and companies to remove the inquiries and no results have been furnished to me as the consumer.
Consumer complaint received 2020-03-29
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: AMERICAN EXPRESS COMPANY (GA)

Consumer victim of XXXX  data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX XXXX General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his XXXX Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates AMEX and XXXX accounts are fraudulent having met criterion for Mediation program. 

XXXX Marketing of its False Credit Scores to Consumers As direct result, cause of XXXX  XXXX XXXX ; XXXX   XXXX ; XXXX XXXXXXXX XXXX , XXXX ( XXXX ) and dba XXXX XXXX XXXX ( XXXX ) arbitrary or capricious decision ( s ) to make or having made full disclosure or public record of ( 1 ) erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Consumer complaint received 2020-03-17
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 had three fraudulent transactions posted to my account on XX/XX/XXXX and XX/XX/XXXX of 2020 one in the amount of XXXX another in the amount of XXXX and another in the amount of XXXX, I filed a dispute with the bank on XX/XX/XXXX i had my debit card replaced in the process the dispute was denied a few days later i wasn't given a clear reason why all i know is that the charges were fraudulent and unauthorized and TD bank failed to understand this.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in accordance with the Fair Credit Reporting act 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 2022-03-25
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. (CA)

XXXXXXXX XXXX XXXX XXXXXXXX on my report that I never purchased. I disputed it with TransUnion. TransUnion is claiming that this infinity is mine I dont believe they did any investigation like check what bank was getting the payment who is the insurance carrier.
Consumer complaint received 2021-06-16
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. (IL)

XXXX  AND EQUIFAX ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling XXXX  and EQUIFAX to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.
Consumer complaint received 2020-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-03-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

Veteran 's United took information regarding my income and employment history and then proceeded to conduct a credit check knowing full-well that they would not be able to provide me a loan based upon the previously known income and employment history.

The credit check was an unnecessary step and was clearly not in my best interest considering the resulting decline in my credit score as a result of the credit check.

I felt that Veteran 's United was deciding to 'walk back ' on decisions they had made, and when I inquired about this, requesting to work with another loan officer, the pre-approval I had earlier been offered was verbally withdrawn and indeed they did 'walk back ' on decisions which were made solely on information stemming from my income and employment history.

Not only was my credit score was needlessly damaged, but my wife 's as well, not to mention all of the time, effort and attention that we had wasted in searching for properties that would meet Veteran 's United 's criteria, only to have it pulled away.
Consumer complaint received 2020-03-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OSG Group Holdings, Inc. (TX)

So this company started calling family member 's that I am not even sure how they got their numbers. When I called them back I set up a payment which I ended not doing because I was told a different company took over this account. They called my family back after I told them NOT to. When I called them again they said it did not matter because it was a dispatch company that called who they hire to investigate for them. I asked for the dispatch company phone number and they told me they do not know who it is. Which I find a little strange. I told them if they are saying they will file a lawsuit and take me to court that they would have to know who has been looking this file and they told me that's not true. In order to reach this company and find out if they were real because they only have a phone number, there's nothing else proving they exist I had to call 5 other numbers to reach them and they just transferred me from one to the other. This morning I called trying to get an address to mail a payment to and the girl on the phone was so rude and just told me to repeat my number because she could not hear me through my SASS, yet I was only talking low because I am at work. I am to the point that if you can not respect me telling you not to call other numbers besides mine and you give me attitude everytime we talk to just not call me anymore.
Consumer complaint received 2020-03-17
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. (FL)

XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2022-03-25
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: Early Warning Services, LLC (NC)

I, XXXX XXXX XXXX, swear under the penalty of perjury the complaint I am filing is true and correct. 
Early Warning has broken the law, specifically section 605B subsection C of the FCRA. 
I am including letters from Early Warning stating they blocked, and then rescinded the block, never by the law. Early Warning has the police report that is certified and notarized as fact that I never had access to the external accounts attached to the XXXX account they are blocking and then rescinding numerous times. 
Subsection C in 605B of the FCRA states that a XXXX can decline or rescind a block levied in subsection A in 605B of the FCRA. C states there are XXXX very specific reasons and criteria that MUST be met and stated as being met to decline or rescind a block.

1. In error 2. A material misstatement of fact 3. Proof the consumer obtained goods or services from the account requested to be blocked in subsection A.

If no proof of any of these 3 criteria happened or proved to happen, no block can be denied or rescinded.

Early Warning rescinded a block without any of these 3 reasons being met. Clearly breaking the law numerous times.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I AM CURRENTLY DISPUTING IC SYSTEMS INC IN THE AMOUNT OF {$850.00}, AND ALSO XXXX XXXX XXXX IN THE AMOUNT OF {$980.00}. I SUBMITTED ALL THE CORRECT DOCUMENTS TO SHOW THAT THESES ACCOUNT DON'T BELONG TO ME BUT THEY KEEP REPORTING THESE ACCOUNTS WHICH ISN'T FAIR TO ME.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: TomoCredit Inc. (TX)

I have around 6 months trying to contact TOMO credit card to cancel my subscription with tomoboost program who takes XXXX XXXX monthly from my bank account. I have sent emails requesting the cancellation and they dont listen they dont stop. I dont have TOMO credit card no more I cancel the credit card and now I dont want the TOMOXXXX program. I am frustrated they do not cancel nor give me a phone number customer service to do it. More than 6 months fighting it. 

XXXX XXXX
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (TX)

On the date listed below, I submitted the following statement in the form of a letter listed below and Experian failed to Verify-in 30 days the inaccurate information on my credit report. My life has Ben Ruined for years because of this incorrect information cant get a job or receive funding for a business start-up. NO VERIFIABLE PROOF WAS SHOWN XX/XX/2020 Experian Consumer Dispute Center According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (PA)

Phone calls started the day after the due date. First day they called me 4 times, second day they called me another 4 times, that XXXX  they called me 3 times, then on XXXX  I was called again twice. Thats XXXX times in one week. This week they have called me 4 times on XXXX, twice on XXXX, 4 times XXXX, and once already XXXX. Thats XXXX times in 3 days!! I've told them to stop calling me to frequently and that its going to jeopardize my job but they clearly don't care. I feel that I am being harassed at this point and I've advised them that under FDCPA 2021 update they're not supposed to call more than 7 times in a 7 day period. Please help!
Consumer complaint received 2021-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MA)

My father, XXXX XXXX, passed away in XX/XX/XXXX and had/has accounts with Chase Bank. Prior to passing he added myself and my brother as beneficiaries to his account to make things easier for us as he was battling XXXX and knew he did not have much time left. Chase is now refusing to release his funds due to a mistake they made when adding my brother as one of the beneficiaries. They released half the money to me on XX/XX/XXXX since I was apparently added correctly. They refuse to release the other half to me or my brother so that we can close these accounts out. Most recently my brother went into a local branch on XX/XX/XXXX to try to resolve the issue after not hearing back from the branch manager for 2 weeks - the response was " you should have received a call '' which seems very unprofessional - but they were unwilling to resolve the issue. We can not get a straight answer on how to resolve the issue so apparently they plan to keep the money. Obviously with my father being deceased he can not go into a branch to fix this issue. This is extremely frustrating and all we want to do is to close out the accounts - we provided the death certificate which clearly lists my brother as his son, so it makes zero sense why he is not able to withdraw the remainder of the funds. This is obviously a painful time in our lives and Chase is just compounding this by refusing to help in any way or provide a path toward resolution. Each person we speak to provides a different answer and keeps referring to their Legal department but the " answers '' keep changing and have provided zero resolution. All we want to do is to withdrawal the money and close the account so that we can move forward but Chase is keeping that money - the actions of Chase Bank are very dishonest and seem to be illegal.
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY (SC)

Starting back at the middle of XXXX I missed my payment with TD Bank due to medical reasons. I kept receiving phone calls from XXXX. When I spoke to the person who answered the phone I did explain to them it was going to be late. I asked if they could please stop calling because even after speaking to someone I still get 3+ calls in the same day. I was told no, as long as I am a month behind and in " their collections '' I will continue to receive phone calls everyday. 

I did tell them I would be making a payment when I could and that at the moment due to XXXX  and other medical obligations that I was not able to do so. Moments ago I received another phone call again. The representative I spoke to said there are no notes in my account and that they have never spoken to me. My phone bill shows a different completely story, and I told them to pull all the calls and listen. She said they don't do that. Harassment from a bank right now is adding massive stress to me and something I don't want to be pestered about multiple times a day. 

I have asked for supervisors or managers and I am always told there are no management types in the building. Last night on the way home from XXXX, I received a phone call at XXXX from them. When I told them I would be filing complaints nobody seems to care.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lewis, McDonnell & Associates (CA)

Lewis McDonnell & Associates XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX / Lewis McDonnell & Associates are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized XXXX XXXX to take monthly payments from my bank account. XXXX XXXX took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. XXXX XXXX refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. XXXX XXXX / Lewis McDonnell & Associates are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-29
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

CAPITAL ONE AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

My automatic payment submitted by a check from the bank was damaged at the mortage company and they say could not be read. They sent it back to me about a month later, informing me that I had incurred late charges due to my non payment. 

I made repeated calls to them and they agreed to reverse the late charge, yet they did not and further more dinged my credit report by XXXX points. My XXXX score is now XXXX. I have made repeated calls to them and they all say they will reverse the issue, but they don't. 

I have attached a copy of the original check that was returned, along with the letter XXXX XXXX, 2021 almost three weeks after the check was received.

Please help me.
Consumer complaint received 2020-03-17
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. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX duplicate data COLLECTIONS XXXX  XXXX XXXX XXXX XXXX duplicate data INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized PUBLIC FILINGS US DIST CT XXXX not mine