davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (MA)

I filed a Chapter  XXXX bankruptcy that was granted a discharge XX/XX/XXXX by XXXX XXXX. I did not sign a Reaffirmation Agreement and I kept possession of my XXXX XXXX financed through T.D Bank and continued my payments. After a car accident the XXXX was deemed totaled by the insurance company and T.D Bank was paid in full and T.D Bank actually was overpaid and had to cut me a check for the difference. 
T.D Bank has repeatedly reported to XXXX credit agency incorrect and negative account information. I have reached out to T.D Bank via mail and telephone and T.D Bank has not responded or corrected the errors that were reported to XXXX ( This has been an on-going issue since XXXX ) I have submitted multiple credit disputes with XXXX regarding T.D Bank violating the Fair Credit Reporting Act, each time the dispute resulted in XXXX adjusting or deleting the incorrect and negative account information reported by T.D Bank and within days T.D Bank would report new negative and false information to XXXX. The most recent being XX/XX/XXXX, T.D Bank reported one week that I was currently in a active XXXX  XXXX  and after I submitted a dispute XXXX  deleted it. Within days T.D Bank reported that an account I have not had in ten years was delinquent, missed payments for 30, 60 and 90 days as recent as XX/XX/XXXX. 
T.D Bank violating the Fair Credit Reporting Act has played a huge role in qualifying for credit line increases, qualifying for low loan rates, credit denial and completely stopped my pre-approval for a mortgage. 
My lawyer sent a letter to T.D Bank requesting they correct the errors immediately.
Consumer complaint received 2024-03-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/2024 I contacted Vanillagift.com at phone number XXXX XXXX XXXX. The person I spoke with told me the company would send me 3 replacement cards, since the cards I purchased declined every transaction I attempted. I received 2 replacement card which did work, but I did not receive the third card I should have received. The replacement card packages and paperwork do not specify the card they replaced, so I don't know which card was not replaced. 

I requested the following cards to be replaced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The company is refusing to drop my co-signer. I have over 700 credit score with no negative marks and having been paying my loan on time every month for almost 2 years. They stated that because of the amount of student loan debt I have they can not release my co-signer. I only owe them 12,000. I disputed it in XXXX with no response.
Consumer complaint received 2021-07-03
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. (VA)

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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 2023-03-11
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. (GA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (CA)

I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX refuses to remove my late payments during my XXXX treatments for the months of XXXX, XXXX, XXXX, XXXX, XXXX of XXXX and the first month of Covid XX/XX/XXXX, after agreeing to remove those late payments. I have notified and disputed the information with all 3 bureaus and their finds comeback " VERIFIED '' with no further information. I have exhausted myself attempting to have this matter taken care of and this is my last resort.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2020 I opened a new Citi business checking account with a $ XXXX deposit to take advantage of the bank 's $ XXXX Cash Bonus offer. The Cash Bonus was to be credited to my new account within 90 days from the end of the month in which I completed the Offer requirements, which I interpreted to mean by the end of XXXX, XXXX, since I had completed he Offer requirements by that date. 
I contacted the bank in XXXX and was told to expect the bonus deposit within 30 more days. I contacted them again after the 30 days, and was told that it was still forthcoming. Finally on XX/XX/XXXX I was told that the Form W-9 that I had submitted when I opened the account in XXXX had not yet been " certified '' so I resubmitted another Form W-9. 
It wasn't until the middle of XXXX that the Cash Bonus was deposited. 
I feel that the Cash Bonus offer was, at a minimum, misleading, but may have actually flirted with misrepresentation. 
I also feel that I should be compensated for the 4 1/2 months of lost interest and the associated aggravation and distress caused by the bank 's mishandling of this offer.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

My name is XXXX XXXX my account is XXXX I had an auto load in good with bbt aka truist. The vehicle was totalled and my insurance company paid the vehicle off in full. I made a full payment to keep the account current before the payoff and now my credit has been trashed minus XXXX points cause it was marked as late in XXXX but now paid off. i did nothing wrong and that account was paid on time and in full and I demand the credit be corrected to reflect the account in good stand this was like a slap in the face as we part ways and I am so XXXX XXXX. I will be filing state regulator complaints and filing a detailed complaint with the southern district of new york as I reside within that jurisdiction at my parents ny residents until my credit is restored.
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

SYNCHRONY BANK HAS DISCRIMINATED AGAINST ME BY CLOSING MY ACCOUNT THAT I HAVE HAD WITH HSN FOR THE PAST 9 YEARS SYNCHRONY BACK TOOK OVER AND IN ONE YEAR THEY CLOSED MY ACCOUNT. DURING A GLOBAL PANDEMIC WITH NO REASON. 

SYNCHRONY BANK SHOULD BE INVESTIGATED AND CLOSED DUE TO THEIR AGGRESSIVE ILLEGAL BUSINESS TACTICS. 

I DEMAND THAT MYACCOUNT WITH HSN BE OPEN SYNCHRONY HAS CLOSED MY ACCOUNT FOR A FRAUDULENT REASON THEY HAVE BEEN PAID AND THEY ARE LYING AS TO THE REASON THEY CLOSED MY ACCOUNT. I WOULD LIKE SOMEONE TO LOOK INTO THIS DUE TO THERE FRAUD AND TREATMENT OF MINORTY CUSTOMERS LIKE ME.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have sent out letter to Equifax XXXX XXXX about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax XXXX XXXX any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act.
Consumer complaint received 2021-07-03
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. (LA)

I recently received a copy of my credit report and noticed some in accuracies so I reached out to each credit bureau for the purpose of correcting the issues. I have sent several letters explaining how and why this information was incorrect. The credit bureaus have not provided any debt validation for the information being reported. 

XXXX XXXX ; Acct : XXXX XXXX XXXX  XXXX XXXX ; Acct : XXXX
Consumer complaint received 2021-03-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc. (LA)

Borrowed XXXX from Tower Loan on XXXX XXXX. In XXXX, La. XX/XX/2019. Never missed a payment. XX/XX/2019, a hard inquiry on my credit report. I called to ask why, the girl XXXX couldn't answer. Asked her to please make sure it didn't happen again. come XXXX I go to buy a car at a dealership and there's ANOTHER inquiry from Tower Loan. I call over, this time furious! I begged them once again to PLEASE not use my social for anything! There was no need, I'm in the car buying process. XXXX offers to finance for me, I tell her ABSOLUTELY NOT. No thank you ... well unbeknownst to me, she refinanced my loan, then called me two weeks later and told me they lost my account folder and needed me to come in to re-sign all the documents. I didn't go right away I felt it strange. A few days later she called, needed my " LOST '' paperwork signed. I go sign the papers not knowing what she had done! I realize my balance increased after my payment yhe very next month. I called for 3 weeks spoke to 3 different reps, was told three different stories. Finally they tell me it's time to pay again, I refused until they told me why XXXX renewed this loan without my knowledge or approval. This guy XXXX tells me, '' that girl doesn't work there anymore & he has nothing to do with that ''. I requested 3 times afterwards to speak to a manager " XXXX " who was on vacation! He finally called, I explained everything, he told me she doesn't work there anymore & they can't do anything because I signed the papers. I asked for a supervisor, he ( XXXX ) told me I just didn't want to pay my bill! I get to the supervisor XXXX, I Tell him I'm about to call the XXXX & FTC because what his employee ( s ) did is/was against the law ... he apologized and told me, what XXXX did only cost me a little over XXXX ... 
I told him I never want to deal with that location or any employee after the way they cursed & treated me, he assured me I would not have to ... low & behold, they started calling me this month ( XXXX ) 4 days before I was due. I went to another location in person, they wouldn't accept my payment! I get an alert today, there's a hard inquiry on my credit report from them, TOWER LOAN ...
Consumer complaint received 2021-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I received a collection notice from Credit Collections Service on behalf of XXXX. While I didn't agree with the debt, I was in the process of getting a mortgage so I decided to resolve it. I paid the full amount of {$550.00} in XX/XX/2020 with the understanding the collection would be deleted from my account. I understand they normally only update the account as paid in full so I was very clear and adamant I was only paying the collection if it was to be deleted like it never ever happened. If they weren't willing to do that I would have settled for less or just not paid it as the damage was already done. The representative confirmed it would be deleted and took my payment for full. I waited up to 90 days like I was told for the changes to appear on my credit. To date the account has not been deleted. It is marked as paid in full but that isn't good enough to get a mortgage. I tried disputing this with all three credit bureaus but my dispute came back as verified. I contacted CCS numerous times. My internal account number is xxxxxxxxxxx. I asked for them to provide me a copy of the recording and review the account. They refused. I paid until false pretence and expect this to be deleted or my account to be refunded. They have refused either solution. I was lied to and this is fraud.
Consumer complaint received 2021-07-03
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: General Motors Financial Company, Inc. (TX)

I have disputed with all three credit bureaus with regard to GM financial which is an account over 7 years old yet still being reported. With the las dispute they actually reported a date of XX/XX/2021. This is not in accordance with the fair use credit reporting act reference 609. I would like this account removed in accordance to the 7 year statute.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

My Coinbase account has been in review since XXXX XX/XX/2021. The company has not provided with any information nor have they responded to my correspondence other than providing with a support case number. 

They have also blocked me from ending emails to support and have demanded I stop requesting support. 

My account has a balance of less than XXXX  USD.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.