davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

i have a common name and was told by XXXX. XXXX, and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-04
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)

TransUnion is continuing to report a claim of {$410.00} from XXXX reported by a company doing business as " XXXX '' XXXX however acknowledges that there is NOT now, NOR ever has been, any such debt. XXXX  further states that there has NEVER even been an account associated with me, and that there has never been any account under my name, nor under my SSN, nor under my phone number, nor under my address. 
I have repeatedly explained all of this to XXXX and to TransUnion. 
I have even provided, in writing and over the phone, the phone numbers and the names of officials at XXXX  who confirm that there is no debt, and that there has never been an account under my name, ssn, phone number, nor address. 
Most recently, on XXXX XX/XX/XXXX at XXXX, I spoke with XXXX at XXXX  ( XXXX XXXX ). He confirms AGAIN that there has never been an account associated with me. There is no debt. 
I was transferred to his supervisornamed XXXX who researched the matter and AGAIN states that there has never been an account associated with me. There is no debt. 
I was then transferred to another individual named XXXX who AGAIN confirmed that there has never been an account associated with me. 
No matter how many times I dispute the matter, " XXXX XXXX " refuses to send any copy of anything to me to support a claim. Over the phone TransUnion reports that they have nothing to validate any claim, yet refuses to remove the claim. I have never been presented with anything substantiating a claim, nor even hinting at the possibility of one. Ultimately there are at least two factors here that are dispositive : 1. No one has anything to indicate what the alleged debt was for. 
2. XXXX agrees that there ihas never been such a debt and there is no basis whatsoever for a claim, since they have never had an account associated with me. 
There is therefore no valid reason for TransUnion to continue to report it.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I do not have an open credit card with Capital one bank nor a card in my possession. I am listed credit report for having open credit card account with Capital One bank with over XXXX balance. Have no knowledge of this card nor did i ever authorize or open a credit card with them nor charge or owe a debt or balance in this amount. Have XXXX closed capital one credit card with {$570.00} balance that i currently owe and am making payments on. My name is XXXX XXXX XXXX and it shows a card opened with my address and social however in a fraudulent last name. I am not nor claim to be XXXX XXXX and do not have a card in this name nor have i ever used opened or had access to this account.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

The attached letter was written by myself attention to Experian Disputes. In addition to the letter, I submitted several notified documents regarding a bankruptcy listed on my credit report that is not mine. The initial dispute they initiated regarding the bankruptcy, for which I did not ask for is dispute # XXXX. I instead asked Experian to provide me with the information as to where they received any bankruptcy information listed with my name. The attached letter I sent to them was the dispute I then attempted to initiate. 

I then received notification that Experian accepted this certified letter and attached documents, and instead of escalating and initiating a dispute on my behalf with the certified information I sent to them regarding this bankruptcy listing, based on all the information I sent via certified mail, Experian instead fraudulently opened a dispute on a credit card account that is listed on my credit report ( XXXX XXXX Credit Card ), for which is in good standing, and that I DID NOT ask for. I have called several times in order to attempt to speak with a supervisor to find out how this error occurred, and all representatives tell me no supervisor is available. Not only did they not initiate my dispute as requested to solve the issue of the bankruptcy being listed, but they initiated a different dispute in its place for which I did not ask.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have try to get my free credit report from Equifax and XXXX   but I haven't been able to, I have sent my identification and proof of residency but I have had no answer fronm them, A copy of my ID is attach to this complaint so they can issue copy of my credit report.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXXXXXX Last reported XX/XX/2019 {$2200.00} Open balance XXXX XXXX XXXX PORTFOLIO RECOVERY Last reported XX/XX/2019 {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$490.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$380.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$290.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2019 {$140.00} Open balance XXXX XXXX XXXX Original creditor
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I got {$18.00} of gas at the pump at XXXX 's in XXXX, AR. This morning when I checked my USAA bank account I noticed another charge from XXXX 's for {$140.00}. Although it's marked as " pending '' the funds are withdrawn from my balance and not available to me. I called XXXX 's and was told " It's not us. We don't hold money from your account. Call your bank ''. When I called the bank they said " It's not us. Call the store. '' Meanwhile I have to wait 5-10 business days for either the pending charge to fall off or the dispute to be resolved. This is very bad business. Not only are they finger pointing at each other but nobody will take ownership of charging me {$140.00} for no reason. Plus I will have bills that may not clear now because these funds are not available to me and I did nothing wrong. Why on earth would the bank need 5 business days to process a transaction in 2024. They are certainly quick to take the money but nobody seems interested in giving it back or even being accountable for a fraudulent charge.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (TX)

I went to get a personal loan, i was made to have add on for 'insurance ' in order to get my loan approved. It was a loan with OneMain Financial. I have since renewed my loan but was finally able to take off the 'extra add-ons ' after the 3rd time.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Yes ik just a letter from the same company that j filed a dispute against they closed my card because I contacted you all about them double charging me. So they closed the card without me knowing I pay my bill well to them a matter of fact early and on time. They closed my card account and sent me a threaten letter because I caught them cheating me and I told them that is legal and I will file a complaint on them I did and they close the card without me knowing it and sent me a threaten ing letter from their advocate department they did not offer to give me my money they double charge me for each month. So I checked my mail the other day. They have put false charges on my bill statement that I never heard of in my life! This company have forged false and fake charges on my bill. I never heard of a company by such s name!!! It is Called ( XXXX XXXX XXXX XXXX credit. I never heard if such and anyways j never got cash with this card only Walmart food or item or goods no cash. And they got a false fate charge of ( XXXX ) something is wrong very much wrong with this company. They they can get away with anything.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

I had a credit card with Macys XXXX XXXX that they have closed my account without notifying me & this affected my credit score though Im always making on time payments with putting in consideration that I had a problem with them since XX/XX/XXXX that I purchased items in XX/XX/XXXX & when I returned some of them on XXXX, XXXX the agent there made it as a purchase not return & had to pay double the money with its interest in XX/XX/XXXX after the last agent told me I have to let it go cause they wont do me anything and that Im just adding more interest on myself with not paying the amount required. When u called them on XX/XX/XXXX I found out they have closed my account on XXXX claiming they have sent me a mail which I never received. The agent who answered me was so rude & was even refusing to give me her name or agent ID but later on she give me her name is XXXX and her ID number is XXXX
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (VA)

The company verified that the transactions on my account were in fact unauthorized and agreed with me that I deserve to be credited and refunded. However instead of sending me my credit and refund the company decided to close my account and keep me from getting access to my funds instead of doing there initial job to protect me and my account and my money.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

I have been locked out of my Robinhood account since last XXXX. Numerous attempts ( documented ) have been tried to resolve this matter to no avail. I am blocked from my online account as Robinhood requires they send an SMS ( text ) code to my phone. My phone does not receive text. After several attempts asking them to send the " code '' to my email address, they simply stop communicating with me. I want to close the account but that requires a signin which I can not do. They have asked for driver 's licence and passport images which : 1 ) Were not necessary when the account was opened and money transfered to it. 2 ) Is a violation of my personal information as they have nothing to compare that information to. As you will see several other account holders have the same issue as I according to the XXXX  documation ( I hope to attach ). This is fraud on a grand scale which the SEC ( remember XXXX XXXX? ) fails to address.
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I bank with TCF Bank I had a a positive balance close to XXXX dollars on XX/XX/2021 I made a purchase for groceries That day to have them delivered on Friday the XXXX. What should have happened was the amounts of XXXX dollars and XXXX dollars and some change should have been posted on Wednesday the XXXX key word posted. My account was still a positive {$200.00} by Friday there was a deposit from my work which was XXXX. On Friday the XXXX I had a withdrawal of XXXX dollars from the ban. Also a purchase for XXXX of XXXX a a transfer into a new checking account of XXXX dollars. On Friday I should have had a balance of XXXX dollars in my checking account. I also XXXX  money to a friend for XXXX on Saturday. XXXX purchase of XXXX dollars transferred funds transferred XXXX dollars to my primary account to cover the cost of XXXX. I also transferred another XXXX from my secondary account to my primary account. and my last transaction was a XXXX transfer of XXXX. I should be at a positive XXXX Today. I can provide my banking information to you upon request. This not the first time this has happened. I am requesting that they stop with the excessive overdraft fees and they return money back into my account and correct the balance to my checking account. Thank you
Consumer complaint received 2021-08-31
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. (NC)

On XX/XX/XXXX I submitted a dispute to Transunion. I am an authorized user on my wife 's XXXX XXXX, I believed there was an incorrect late payment reported and asked to have reviewed. Transunion never did an investigation they just removed the account from my credit file. I reached out to Transunion and was advised that XXXX removed it and would have to add it back, I called XXXX who verified there was no request of investigation ever sent to them. I spoke again with Transunion who declined to add the tradeline back to my report. 

Transunion has no statement anywhere I can find regarding authorized user disputes and if you dispute an item they just remove the tradeline. My credit score dropped +35 pts due to this. I am currently in the middle of purchasing a home, the consequences are severe.
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (TX)

On XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX Texas let someone who was not me withdraw {$7100.00} out of my personal checking account with NetSpend. I have fought NetSpend ever since and now they are saying that the deactivation and activation of the cards used that morning was completed on my current phone. This is lies and not true at all. The lady who works at XXXX XXXX XXXX knows that I did not come into that store that morning. I have people who are home with me that knows I was asleep when these transactions happened. Now NetSpend will not help me get my money back.
Consumer complaint received 2021-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I received a letter from Shellpoint Newrez offering a COVID-19 Payment Deferral Offer. The letter is dated XXXX. The following is a quote from the letter : We require a processing month for us to complete your payment deferral. Because you are 18 months delinquent, you must pay your current monthly contractual payment of {$2700.00} by XX/XX/21 in order for your payment deferral to become effective. 

On XXXX, I sent a check to Shellpoint.. After sending the check, I spoke a few times to various representatives as well as leaving messages with my assigned representative, Mr. XXXX. I was informed via phone by a representative in XXXX that the deferral was being processed. 

On XXXX, I received a call from XXXX XXXX that as of XXXX my loan is in default. Ms. XXXX verbalized that the COVID-19 Payment Deferral Offer has been rescinded despite the stipulation of making a current monthly mortgage payment of {$2700.00} by XXXX so that the deferral offer can become effective. 

I am an XXXX XXXX. My civil rights has been violated by Shellpoint Newrez. The company actions towards me are discriminatory, pernicious and predatory. Also, their actions are deceptive and unscrupulous. There is a disproportionate rate of foreclosures among XXXX Americans due to mortgage servicers like Shellpoint.

To reiterate, the servicer was dishonest and predatory. The servicer had no intentions to honor the COVID-19 Payment Deferral Offer or comply pto their Terms of the Payment Deferral. 

Please review the attached XXXX Payment Deferral Offer and canceled check.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus. 

XXXX : shows 1 -30 day late payment reported for XX/XX/XXXX XXXX : shows 2 -30 day late payments reported for XX/XX/XXXX and XX/XX/XXXX XXXX : shows 3 -60 day lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : shows 4 -60 day lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX shows 1 -90 day late XX/XX/XXXX XXXX shows 9- 90 day lates XXXX Last Activity : XXXX shows none XXXX shows XX/XX/XXXX XXXX shows XX/XX/XXXX Closed Date : XXXX  XX/XX/XXXX XXXX shows none XXXX XXXX none *if the account was closed in XX/XX/XXXX how am i still being reported as late ? *
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BUSEY BANK (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email Address : XXXX Phone : XXXX Date : XX/XX/XXXX Dear Financial Consumer Complaint Department I am writing to file a financial consumer complaint against Busey Bank regarding the handling of my account closure request of : Checking Account : [ Account Number Ending in XXXX ] Savings Account : [ Account Number Ending in XXXX ] I sent a formal closure letter via registered mail to Busey Bank of XXXX Illinois on XX/XX/XXXX, addressed to XXXX XXXX, requesting the closure of my checking and savings accounts due to a significant life change, specifically, my relocation to XXXX, North Carolina. In the following weeks, I followed up with XXXX, XXXX, XXXX, XXXX, XXXX, and a few others. Who always tell me a banker will cal. I have no missed calls from Busey. On XX/XX/XXXX. I spoke to XXXX, who transferred me to XXXX, who essentially asked the same verifications questions. 

Despite multiple attempts to resolve this matter, I have encountered significant obstacles and delays. To date, I have spoken with over XXXX supervisors at Busey Bank, all of whom have promised that a banker would contact me, but to no avail. Additionally, I have been subjected to repetitive questioning regarding my signature, which has been impacted by a XXXX, resulting in XXXX XXXX XXXX 

Furthermore, Busey Bank has refused to accept a letter from my XXXX XXXX doctor, verifying my identity in person. This refusal has hindered the closure process and prevented me from accessing my funds, which are urgently needed to secure housing in my new location. 

In contrast, I have successfully opened a checking and savings account with XXXX XXXX Bank XXXX XXXX in XXXX, where Banker XXXX XXXX attempted to facilitate a wire transfer of my funds from Busey Bank. However, this transfer was inexplicably refused by Busey Bank, further exacerbating my situation. 

I am deeply distressed by the lack of responsiveness and cooperation from Busey Bank, especially considering my current displaced status and urgent need for access to my funds. I believe that Busey Bank 's actions, including their refusal to accept valid documentation and their failure to facilitate the closure process, constitute a violation of consumer rights and banking regulations. 

Therefore, I respectfully request that the Financial Consumer Complaint Department investigate this matter promptly and take appropriate action to ensure that Busey Bank complies with all relevant regulations and resolves this issue satisfactorily. 

Thank you for your attention to this matter. Should you require any further information or assistance, please do not hesitate to contact me at XXXX or XXXX. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (TX)

There is an account on my credit report with the account number XXXX listing Santander as the creditor. Furthermore, the account lists me as a joint person on the account, but I have no recollection of having a business relationship with Santander. The account status says that it is charged off, but there was never a XXXX form sent to me and according to the IRS this can be deemed as illegal tax violation, and I am liable to file form XXXX against your company. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. I am also requesting the XXXX form that I never received as well as the original contract agreement with my name. Remove this account while this investigation is pending because your information is not credible, and this can and will be labeled as gross misconduct and defamation of character.