davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Peterson Enterprises, Inc. (OR)

Our dispute to this account is due to the fact that we are not responsible for the original charges ( XXXX. ) and therefore are not responsible for subsequent charges generated by interest and/or contractual collection fees ( Valley Empire Collection ) as we were not living at the address responsible for generating the utility charges since XXXX XXXX, XXXX. During that time, the property was being rented to Tenants who were contractually responsible all utilities. Within a transmission to Valley Empire Collection ( XXXX WA ) were sent XXXX ( XXXX ) separate Residential Lease Agreements outlining the dates the property was rented. Further, particular attention was directed to page XXXX ( XXXX ), part XXXX as each agreement clearly stated " Tenant is responsible for the following utilities and services : Water, Trash and Recycling, and Electricity and Gas and is required to register the utilities and services in Tenant 's name. '' Finally, on page XXXX & XXXX ( respectively ) of the rental agreements we painstakingly highlighted that the tenant was responsible to contact / activate services " before '' taking possession of the residence and that they could NOT take possession until the services were " registered in their name. If they failed to do so before the lease began, the tenant was responsible for any maintenance and charges resulting. '' This agency has been reporting negatively to all major credit bureaus since XXXX which has continually damaged our ability to generate a good credit history / obtain acceptable interest rates on credit cards and even a favorable home loan. 
My last contact with this company to dispute the matter was XXXX of XXXX and now 7months later they are again attempting to collect the debt that is clearly not ours.
Consumer complaint received 2020-06-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  Paid them what they asked for and they never deleted the report. 
Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist. 
All three credit agencies refuse to take off as well
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2020 I applied for a XXXX Credit Card for XXXX XXXX. I came back denied because Transunion had incorrect information on my credit report and XXXX could not validate my identity because of it. I call Transunion and they said they were sorry for the correct information and I went over everything over the phone and they said they now corrected all the information. I got a Hard Inquiry on my credit report because of it. I ask Transunion if I applied for credit for a different XXXX XXXX  XXXX now that everything it fix I should be fine correct? They said yes. On XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX  XXXX and I got denied for basically the same reason and another hard inquiry on my credit report. I made a claim to the CFPB for the XXXX Credit Card regarding this and my Hard Inquiry and requested that the Hard Inquiry get removed. Transunion just responded on that claim and said sorry for the issue and removed the Hard Inquiry. Since my XXXX XXXX application was the same problem and Transunion assured me everything was correct on my credit report and applying for the new credit will be no problem and I got denied based on Transunion incorrect info. I request that Transunion removes the Hard Inquiry for XXXX XXXX XXXX XXXX  from my credit report.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One will not issue a refund on my closed credit card account for up to 90 days, yet I am required to pay every 30 days. This is an unreasonable amount of time. They further refuse to deposit to one of my registered payment accounts which I use to paid the credit card bill.
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (MA)

I have been dealing with credit card company now for several years, it's still on my credit report and is hurting my credit score and causing many finincial problem. Please help. Target and also XXXX XXXX. It was my dead husband. I have spent days hours etc dealing with this. I don't understand why it's not removed
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (TN)

For the last 6-8 months I have been in communication with Equifax and XXXX about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the XXXX tracking states that it was delivered or signed off on. Equifax and XXXX within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX XXXX credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax and XXXX credit report showing the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also asked company to remove the negative remarks that inpack my credit and fix accuracy. The accounts referenced above Equifax refuses to delete from my credit and XXXX. It seems that Equifax and XXXX doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (CA)

All of my Alliant Credit Union accounts, a checking, saving, and certificate of deposit, were frozen on XX/XX/2020. Alliant Credit Union froze the accounts after receiving a threatening letter from XXXX XXXX XXXX XXXX, a XXXX XXXX family law firm on XX/XX/2020. Thus far, Alliant Credit Union has refused to remove the freeze and has not responded to my emails asking for the freeze to be lifted. My electricity bill was not paid and I incurred fees as I could not move money to pay my bills because my account was frozen. In the letter to Alliant Credit Union ( which is attached ), the above-mentioned law firm misconstrues the scope of the California Family Law Standard Restraining orders forbidding any transaction from the account, regardless of whether it is for necessities of life like my electricity bill or DMV fees. Alliant Credit Union responded with this reasoning for freezing the accounts to both opposing counsel and me, Under the instructions and threats in your letter, if the credit union allows Ms. XXXX to withdraw any funds, Mr. XXXX will hold the credit union liable for the amount of such withdrawals. The credit union can not know whether a requested withdrawal is in the usual course of business or for the necessities of life. Therefore, we ask that you meet and confer with Ms. XXXX and her counsel, if any, to provide instructions to the credit union that are consistent with the terms of the restraining order. Absent a corrected letter from you, it appears Ms. XXXX should ask the court to assist her in correcting your misrepresentation of the restraining order and providing guidance to the credit union on the amount of withdrawals the credit union should permit. 
I contacted opposing counsel and asked them to unfreeze the account on XX/XX/2020, which they refused to do. 

Alliant Credit Union froze my account because of fear of retaliation from XXXX XXXX XXXX XXXX, not a violation and without an appropriate court order. Alliant Credit Union did not inform me of the freezing of the account and I found out when trying to login to my account on XX/XX/2020 to pay my electricity bill. Alliant Credit Union has forced me to incur legal fees to adjudicate this matter and removed access to money for me to pay for the necessities of life. XXXX XXXX XXXX XXXX also sent this letter to at least two other banks, which thus far have decided NOT to freeze my accounts unnecessarily.
Consumer complaint received 2020-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (DC)

I have called multiple times to close my accounts with TD Bank after having withdrew all funds. They have not closed the accounts and due to the low balance, I am getting maintenance fee charges for the low balance each month. The last time I talked to them, they said they would remove the fees and close the account. I asked them to email me confirming the closure. They didnt email or close the accounts.
Consumer complaint received 2020-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a XXXX XXXX XXXX I was originally leasing the XXXX  from XXXX XXXX, we were coming to the end of the lease and instead of turning in the vehicle we opted to get a loan to fund the purchase. I received the buyout statement ; I read XXXX 's terms and it seemed very straightforward. Bank of America was the lender for the loan. I went to go add BofA as a Lien holder to the title which I received this week. None of the documents showed that any taxes had to be paid in one document that I received from BofA, there's no mention of the taxes. I though that all taxes would have been calculated into the buyout fee and no one ever at Bank of America either mentioned verbally or in advance of the loan, prior to contract execution that I would have to pay the taxes or even given the option to add, if it were needed, the taxes as part of the loan that BofA would extend to me. 

When I went to XXXX  of XXXX California to add BofA as a Lien Holder, I was informed then and only then that I had to pay {$2000.00} in taxes. 

BofA never said when financing the loan that I would have to pay said taxes. It's only in the fine print that I may have to pay a tax, but there was no disclosure made to me what the taxes would be and nor was given the option to have those taxes included as part of the loan. Now I am stuck with paying out of pocket {$2000.00}. This is an unfair and nontransparent practice. Transparency was not afforded to me. And would want XXXX and/or Bank of America to refund me the amount in taxes as fair lending practices were not that. Had I know that I would have had to pay {$2000.00} I would have not gotten the loan or would have negotiated that as part of the loan from BofA
Consumer complaint received 2020-06-13
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. (AZ)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax failed to delete any of the dozens of inaccuracies on my credit report that I pointed out ( first attachment ). The results they just sent back are the second attachment. They violated my FCRA rights by not correcting properly the errors I pointed out or deleting them. Running my dispute letter through their E-Oscar system does NOT qualify as a reasonable investigation under the FCRA. This was NOT done by a credit repair organization. I had to say that because most of my complaints here to CFPB have been closed due to them thinking my disputes were done by someone else. The third attachment will be what my credit report was before I sent the dispute.
Consumer complaint received 2020-06-13
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: Experian Information Solutions Inc. (AZ)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

I have tried to resolve this problem since the end of XXXX. They just sent me a refund check for {$1.00}, and said they closed my account. If you look at the photos I have included, I have {$600.00} in my rainy day fund. Dont you think they American Express Serve would include the {$600.00} in my refund check! I have filed a complaint before and thats when they sent my {$1.00}. I can still move money from my main account to my rainy day account even after they sent this letter about closing my account, how in the world could the smart guys at American Express miss {$600.00}? Unless???
Consumer complaint received 2020-06-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a Line of credit in XXXX from Capital One. For the past XXXX years my personal line of credit was not allowing me to make any transfers from the line of credit to my checking account so I decided to contact the line of credit representative. According to the representative this was a known issued and they dont have an estimate time when it will be fixed, therefore they suggested that I continue to call to do manual transfers in the meantime. A year later of making manual transfers on XX/XX/XXXX I decided to write a letter to the XXXX XXXX XXXX explaining to him my struggles with my account. I received a call on XX/XX/XXXX from the executive office who further look into the issue that I was experiencing with my LOC and the end results was that this product was not compatible with their platform and they dont have an estimate time as they are looking to enhance their platform. I asked XXXX from the executive office in the event theres no solution would they close my account and would I receive a notification prior to my account being close? His response was in the event my account needs to be close I would be notify in advance and base on the XXXX XXXX XXXX we should get at least 45 days in advance prior to any credit account being closed. 

A week later from this conversation, I go into my online account just to find out that my line of credit was closed without any notification. I sent another email to the CEO XXXX on XX/XX/XXXX and I received another call from the XXXX office to informed me that theres nothing they can do and that this line of credit was closed. According to the executive office representative they were sorry and that a notification was just sent out to me on XX/XX/XXXX. Like seriously just sent out to me? This is highly unacceptable and I was not given a notification nor an alternative. 

I couldnt believe how XXXX XXXX CEO is allowing this poor customer service towards his long term loyalty customers. Capital One knows that this not the best time for them close the only Capital I have to support myself and my family to survive. Life doesnt stop when it comes to paying my bills and to feed my family specially during a PANDEMIC. 

In addition this will also affect my XXXX XXXX because that capital $ $ $ line is no longer available to me therefore my credit will decreased. 

I want a resolution!