davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Me and my husband XXXX received an alert from XXXX XXXX that our credit scores from TransUnion and XXXX had dropped, 50 points for my TransUnion and 42 for my XXXX. XXXX 's TransUnion dropped 46 points and his XXXX  dropped 34 points. We had just paid down 3 credit cards to {$0.00} balances, ( we did not close any accounts ). We paid down our remaining 6 credit card accounts to bring down our total credit utilization below 30 % and the drops in our scores didn't make sense to us. After reviewing our TransUnion and XXXX  reports, I noticed that they were a few mistakes in their reporting. We filed disputes at the beginning if XX/XX/XXXX for the following issues : They are both reporting late payments for 12 accounts that had been previously discharged in our Chapter XXXX bankruptcy on XXXX XX/XX/XXXX. They were not being reported as late. 
My husband had a loss of income due to COVID-19. We had a CARES Act payment deferral for our XXXX XXXX loan and then a voluntary repossession due to COVID-19 in XX/XX/XXXX. This account had been reporting as a voluntary repossession due to natural disaster. Now it is reporting as a charge-off. 
We had just closed on our new home on XXXX XX/XX/XXXX. Our credit score at that time was in the XXXX. Transunion and XXXX  dropped my score 100 points and my husband 's scores 60 points about 3 weeks after our mortgage closed. These 2 bureaus have been dropping our score 2 to 3 points each month since then. My current TransUnion score is XXXX and the XXXX is XXXX. XXXXXXXX XXXX TransUnion score is XXXX and his XXXX is XXXX. I am convinced that the current drop in our scores are because of the recent changes of TransUnion and XXXX  reporting statuses on the 12 accounts discharged in our chapter XXXX bankruptcy on XXXX XX/XX/XXXX and the recent change in their reporting status of the XXXX XXXX loan due to COVID-19.
Consumer complaint received 2016-12-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I bought an IPhone from XXXX and had it financed their company Citizens One Bank, for which 24 monthly payments were set up through my XXXX XXXX. I wanted to pay the balance in full but when I contacted Citizens One, I was told that they did not take checks, which I found unusual. I also re-read my agreement and I did n't see a clause that stated that I could not pay off my balance before the 24 month term, or accept a check to payoff this amount.
Consumer complaint received 2019-06-12
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 — Investigation took more than 30 days
Company: DISCOVER BANK (FL)

I am writing in regard to the charge off accounts on my credit report for my Discover card. On XXXX XXXX I agreed to pay the lender with the assurance that it will be removed off my credit report, a " pay for deletion ''. I have had a constant battle with lender honoring their part of the settlement. I am requesting that this account be removed. It has now been over 45 days since requesting lenders to delete this account, the request was delivered XX/XX/XXXX through USPS Certified Mail, with no response. The lender have responded to letters in the past stating that the account is accurate, and I advised them I am not denying it. I understand that this account is valid, but I paid this account with the promise of the deletions. I fell behind XX/XX/XXXX, six years ago, because my mother was diagnosed with XXXX   and had to take care of her. I then settled on XX/XX/XXXX, four years ago and since then I have been dealing with this burden. I paid for deletion, I did the right thing, rather than just waiting seven years for it to fall off. Since then, I have gotten all my finances in order and paid every account on time without a blunder. I am trying to provide for my family and purchase a home for us and this has had a major impact. Please help me be able to provide for my family.
Consumer complaint received 2022-04-04
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. (GA)

On XX/XX/2022 I paid XXXX the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to XXXX. Page 6.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NJ)

TARGET in is XXXX XXXX statement has charged me a {$40.00} fee but I have no idea for what. 

I shall not pay the said {$40.00} fee as it is exorbitant and excessive and at this time of dire skyrocketing inflation! 

I respectfully demand that this account be closed but, of course, I remain obligated for the balance remaining. 

I shall not do business with such a company that charges this sum of money and does not tell me for what! 

They shall have to take me to a court of law but I shall not pay this " fee ''! 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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: MoneyLion Inc. (GA)

On XX/XX/2022 I paid MoneyLion the remaining balance of a charged off loan in the amount of {$54.00} ( {$52.00} plus tax ). The account wasnt updated with the credit bureaus so I disputed the account to get it updated but the account still came back showing a balance of {$52.00}. I called the company multiple times and they have acknowledged that I paid the account but have stated they dont know if the credit bureaus will update the information. Can you please help rectify this problem. 

Attached is the bank statement showing payment to MoneyLion. Page 6.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-03-19
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. (GA)

A checking account was opened at XXXX XXXX XXXX in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.
Consumer complaint received 2024-01-30
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 (MS)

I paid all my credit card bills, but they reported me to the credit reports saying I have not paid when they get it from my bank account every month automatically, I been paying for these accounts for 3or 4 years, and it is always the same, I made to paying 2 years ago they said I needed to write a statement telling them it's for the next month, that's crazy they're looking for a reason to make up our credit score,,
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (DC)

I received an offer in the mail from Truist to receive a {XXXX} reward if I opened a checking account and had at least {XXXX} in direct deposits per statement period made. I opened the account on XX/XX/XXXX. There was a hiccup on the webpage that prevented me from adding initial funds, but I was able to get direct deposit set up and my employer made the first deposit on XX/XX/XXXX. They have continued to deposit over $ XXXX since. On XX/XX/XXXX I received an email saying in their final review, I did not meet all of the qualifications for the reward, therefore the reward would not be processed. The offers page indicated that my account was closed before the reward could be provided, even though my account is still open now. I spent over an hour on the phone with Truist to report the discrepancy on XXXX, and the support person said clearly the account wasn't closed, that they would escalate the problem and I would hear back within 5 days. Hearing nothing, I called back on XX/XX/XXXX and spent another 40 minutes on the phone with the support person, who again escalated the problem and said I would hear back within 5 days. As of XXXX, I have still heard nothing, the offers page still says I didn't get the reward because the account was closed, however the account is open and receiving direct deposits twice per month.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (NC)

On XX/XX/22 I sent a Dispute to all 3 Credit Bureaus regarding XXXX XXXX I did not get a response from Experian and XXXX because I had forgotten to put my social security number and DOB. XXXX investigated that dispute, and there results yielded a deletion of the account. It is my understanding that if a credit bureau deletes an item, they are supposed to notify the other bureaus. 

On XX/XX/22 I sent the attached letter with my correct personal information. In that letter, I included the results from XXXX. Both Experian and XXXX have responded " Verified as Accurate '' However, did they even consult with XXXX? They deleted the account for a reason. I would assume if XXXX deleted the record, that there is some reason for the deletion and it should be concluded that the same should result from XXXX and Experian. I feel as if I did not have a thorough reinvestigation and XXXX and Experian did not consult with XXXX at all. 

I also certify, that I am Indeed the Consumer submitting this complaint and not a 3rd party or credit repair company.
Consumer complaint received 2022-04-04
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: International Computer Systems, Inc. (AR)

First Collection Services located at XXXX XXXX XXXX XXXX in XXXX, AR. XXXX is refusing to remove collection activity that was placed on my credit report. Payments was made directly to and accepted by the XXXX  XXXX XXXX XXXX XXXX. First Collection Services did not accept any form of payment for either of the two accounts. 

These two collection activities reported by First XXXX Collection Services should be removed from my XXXX, XXXX, XXXX and any other credit reports, as they did not accept payment.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you
Consumer complaint received 2022-04-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (FL)

I made a dispute on XX/XX/2022 for the amount of {XXXX} somebody by the name of... sent them self money today date XX/XX/2022 somebody by the name of... sent them self XXXX they changed my password in was log in else where! I just recently changed my email in change my password but I didnt do any of these transactions in I want my money back!
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (CA)

To Whom this may concern I had been dealing with some bad Identity Theft issues from XXXX. I had my credit cards and bank accounts compromised with my Social Security as well. I've had accounts opened in my name fraudulently and someone trying to purchase a car with my information. Since then I had those accounts removed from my name and resulted in my favor. I was overseas in 2021 had my phone stolen along with my laptop as well. I found two more accounts that where compromised which are XXXX and XXXX XXXX. I've already finished my investigation with XXXX XXXX and got the account reimbursed and all my payments back that where taken out my account and got my XXXX account reopened. XXXX is giving me a hard time regarding these unauthorized these transactions and payments taken out my bank account. I was told I'm not responsible for unauthorized transactions yet XXXX wants to hold me liable. Since XXXX is making things difficult I've attached a FTC AND POLICE report showing proof I'm a victim of identity theft.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NY)

I spoke with Navy Federal Credit Union on several occasions and desperately tried to show proof of fraud and dispute transactions done fraudulently, it all started, when I purchased a new XXXX XXXX XX/XX/XXXX from XXXX in the XXXX. I filed a police report the same day at the XXXX precinct because of high call volumes on my account and my XXXX had been previously compromised. I deposited XXXX dollars into my account in XX/XX/XXXX and with the new XXXX I thought I was safe and it would not be compromised. I started using XXXX XXXX because XXXX XXXX and its easier for me to send money. I did not know about the XXXX data breach until later in the year and that's when I noticed something was wrong with so many transfers from my Navy federal Credit Union account . I called them them in XXXX to dispute charges and when it came to the transfers to XXXX XXXX I know that someone was stealing my money. ( MY XXXX WAS COMPROMISED AND CLONED I HAVE PROOF NOW THAT SOMEONE USING MY IMEI AND PHONE NUMBER MADE TRANSFERS WITHOUT MY PERMISSION. I AM FILING ANOTHER POLICE REPORT. NAVY FEDERAL CREDIT UNION RESPONSED IF I MADE ONE MISTAKE REGARDING WHICH TRANSACTIONS WAS FRAUD THEY WOULD DENY MY ENTIRE FRAUD CLAIM WHICH THEY HAVE ON MORE THAN TWO TIMES. MY SECURE CREDIT CARD ALSO HAD A FRAUD AMOUNT ON XX/XX/XXXX FOR XXXX XXXX FOR XXXX WHICH SOMEONE CREATED A XXXX XXXX AND USED MY NAME AND A DIFFRENT TELEPHONE NUMBER. THAT MONEY WAS REFUNDED AND THAT IS THE ONLY AMOUNT THAT NFCU HAS RETURNED.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX XXXX XXXX, I placed a stop payment against My Essentials through my bank, Capitol One XXXX. On XX/XX/2023, Capitol One 360 allowed My Essentials to overdraft my account in the amount of {$23.00} when I had a stop payment against this vendor. This put my checking account ending in XXXX in the negative. I contacted Capitol One 360 on Saturday, XX/XX/XXXX and spoke to the Customer Service Dept. who transferred me to claims. I explained the situation and they refused to immediately return the {$23.00} to my account. Instead, they proceeded to file a claim and carry on about how long it will take them to resolve this when they created the error in the first place. I then contacted Capitol One XXXX again on Sunday, XX/XX/XXXX and spoke to a Customer Service Agent named XXXX. I asked to be connected to a Supervisor. The Supervisor 's name was XXXX but she said she had to transfer me to the Claims Dept. again to get my money back. I spoke to a person named XXXX in the Claims Dept. who insulted me by saying it would take ten full days for them to give me my money back which Never should have been taken out in the first place!!! I proceeded to tell XXXX that I would contact the Consumer Financial Protection Bureau since they should have returned my funds immediately and Never have allowed this to happen in the first place.!!!
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have had a XXXX checking and savings account with Capital One for years. When I turned XXXX, I applied for and was approved for a credit card with Capital One. I activated my credit card on XX/XX/year>. However, when I tried to open an XXXX savings and checking account on the same day I was told that Capital One could not verify my social security number and in fact it was linked to another person. That night Capital One restricted access to all of my accounts so I was not able to access any of my money. I confirmed with the Social Security ( SS ) Administration Office on XX/XX/year> that I have the only SS card and no one else is linked to my SS number. I also have a passport and have filed taxes and have W-2 in my name and in my SS #. When I recontacted Capital One on XX/XX/year> with the SS Admin information, I was told the only way to resolve the difference was to come into a branch. Unfortunately the closest branch is XXXX hours away ( XXXX hours round trip ). My only recourse was to close my accounts and transfer the money to my mom 's account. The customer service representatives were not very knowledgeable and kept transferring us to different people to try to resolve the problem. We spoken to at least XXXX people to try to resolve the issue. This problem is still not resolved because Capital One has opened another account for another customer with my SS # and would not help us to resolve this besides saying you must come into a branch.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (VA)

Notice, it is a fact, that, I, XXXX XXXX have been a victim of practices that violate my rights as a consumer. 

Notice, it is a fact, that, I, have made many attempts in good faith to remove the accounts listed from my consumer report and the accounts have remained for over 12 months. 
Notice, it is a fact, that, I, have been denied the right to travel using a vehicle because these accounts remain on my consumer report. 
Notice, it is a fact, that, I, have been denied a home due to the fact that I have these accounts on my consumer report. 
This entire process has caused me nothing but stress and hard times enduring these denials. Not only for me but my family as well. These bureaus have been in the wrong and are breaking the law!!! Accounts that have been removed have been laced back on my account. If one bureau removed everyone has to follow! I threatened to send my certified mail stamps and documentation to CFPB and they finally removed the accounts but the accounts reported right back on my account! These accounts need to be removed, If these accounts are not removed. I will use my documentation and the law to pursue remedy for each violation which is well over {$XXXX} that I have counted in this last year since each violation is worth {XXXX}. I never authorized any credit bureau to furnish a report on my behalf so you are committing identity theft. This is my last time contacting your bureau in good faith. 
If they are not removed, I will no longer extend my credit or allow Equifax, to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. By Equifax, allowing these inaccuracies to be furnished on my consumer report it has cost me to lose confidence in the banking system. If Equifax, and XXXX wants to continue doing business with me they should delete this inaccurate from my consumer report like XXXX has.
Consumer complaint received 2023-03-26
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. (IL)

After numerous requests, XXXX XXXX XXXX, XXXX, IL XXXX Should be the only address on my credit profile. Delete all other addresses IMMEDIATELY.
Consumer complaint received 2020-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Getting robocalls 3 - 5 days a week from Municipal Services Bureau saying they are calling on behalf of XXXX County. Since XX/XX/2020, I've received 46 calls from them. The ones prior to XX/XX/XXXX, I had already deleted. ( Call log attached ) The beginning of msg is always cut off because they start talking before my recorded greeting stops. I'm asked to log onto website www.msbpay.com or call XXXX. But I need to provide a reference # & zip code to log in. Problem is, I don't have a reference # and if they are referencing one, it must be on the first part of the msg which is cut off. 
Plus I am not aware of any debt own to XXXX County, CA. I do not live or work in XXXX County nor have I ever received a ticket while driving through XXXX County.