davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2020 I provided a letter to TD Bank , N.A . Card Services Department, hereto referred as TD Bank, to dispute an amount that I believe to be in error on my statement. This letter provided my account information, dollar amount and a description of the problem which is requested per the TD Bank Credit Card Agreement, hereto referred as the agreement, and in accordance with the Fair Credit Billing Act ( FCBA ) Public Law 93-495, H.R. 11221 15 USC 1601-1666. After I sent this dispute in accordance with both federal law and the agreement TD bank sent me a letter dated XX/XX/2020. This letter stated that I requested a credit report amendment, however I have not made any requests for such amendment recently. The letter also states to call TD Card Services, customer support at XXXX. I called the number provided as well as used the app to call in and was on the phone for 2.5 hours today XX/XX/2020 without any avail or help with the letter that I received as indicated. 

One representative informed me that the letter was in response to the dispute that I sent in on XX/XX/2020 however the dispute does not mention anything about a credit report amendment. A later representative informed me that the dispute that I sent in on XX/XX/2020 was closed without any action taken because I did not list a specific transaction, however both federal law and the agreement both specifically state that only a balance needs to be provided and not a specific transaction. By not accepting a dispute due to an internal policy is a violation of federal law and a breach of contract. I was untimely transferred more than 6 times and landed with Risk Management who provided me a number to what she called Military Lending Department XXXX which was only a recording of a TD Bank policy and then the line disconnected. I called the Military Lending Department at the number provided several times and it all ended with the phone disconnecting with no option to speak with a human.
Consumer complaint received 2016-04-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I pulled my credit report on XXXX/XXXX/XXXX and noticed some collection accounts that I have never heard of before. The collection company in question PORTFOLIO RECOVERY ASSOCIATES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XXXX/XXXX/XXXX via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : DISCOVER BANK, Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The banking system relies on my consumer reports being fair and accurate to me, as stated in 15 usc 1681 ( a ) ( 1 ). As a result of your carelessness and allowing inaccuracies to be furnished on my consumer reports, I have lost all confidence in the banking system, and I will no longer extend credit to anyone, nor will I allow you to furnish a report on my behalf. As a result, I'd like to officially terminate all business and services.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

On XX/XX/2024, I used an XXXX ATM at my local XXXX XXXX to complete several withdrawals from my Chime Checking account. At XXXX XXXX  I requested a {$300.00} withdrawal. The money was dispensed from the ATM, however, I had to use my phone for a moment and the money was retracted. A message appeared on the screen that advised me to contact my bank. Immediately I did and was informed itd be credited back to my account once the transaction settled. ( The {$300.00} was never credited ) On XX/XX/XXXX, I reached out to XXXX customer service in attempt to resolve the issue and was told to contact chime to submit an EFT dispute. I did so. 

On XX/XX/XXXX, I received an email stating my dispute was denied. I immediately contacted Chime and spoke to a representative who submitted a rebuttal on my behalf. At this point of contact I requested information about the denial of the dispute as well as a copy of the receipt I provided. As of yet, I havent received any information, updates, or my funds.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Lexus nexus has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit.

I have opted out and froze my Lexus nexus from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my Lexus nexus from future use
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A fraudulent credit card was opened in my name in XXXX of XXXX with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I had no choice than to settle this account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor -Company Sold XXXX XXXX XXXX Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX They keep reporting this on my report but they say its no longer theirs I would like it removed.
Consumer complaint received 2019-11-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

I am filing a complaint against AD Astra Recovery Services for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted AD Astra on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was XXXX XXXX and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with XXXX XXXX. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from XXXX XXXX or AD Astra Recovery about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report. 

If this issue is not resolved within 30 days, I will file a civil law suit against AD Astra as this negative reporting on my credit has created a serious financial impact.
Consumer complaint received 2017-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

Midland Funding has not responded to my several disputes in a timely manner and have ignored my request for validation for those accounts 1 ) {$630.00} and 2 ) {$580.00} that are more than two years old that they are reporting to the credit bureaus. Midland has yet to provide evidence that the accounts are mines. Per their policy per their website the statement reads " Per our policy we stop credit reporting on accounts that are more than two years past the date of delinquency. ''
Consumer complaint received 2017-08-23
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. (NY)

XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...
Consumer complaint received 2019-07-30
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. (FL)

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXXXXXX Collector : XXXX Original Creditor : XXXX   Status : Unpaid Balance Amount : {$460.00}
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (CO)

XXXX XXXX XXXX ( account # XXXX ) has put on my credit that I owe them {$5700.00} in which they DO NOT have a wet signature from me nor have I ever sign any contracts with this company. 

Pursuant 18 USC 8 I do not own any debt this company is violating my privacy.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (TX)

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

THIS IS A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! CAPITAL ONE JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I have disputed two items showing as collections needing immediate attention eight times. I have my bank statement proving I paid the collection in full and the dispute has been denied all eight times. Ive never once been able to provide the proof I have. I was advised to pay off the account in order to raise my credit enough to get approved to buy my house. They sent a letter stating the account was resolved and that is how I was able to purchase my home in XX/XX/2020.
Consumer complaint received 2021-03-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CO)

I received a collection letter today out of the blue. Upon reading it the first time, I did not recognize any part of the loan or companies they are representing. I thought there must be some mistake. After much thought, if this is indeed a loan taken out by me, then its for a auto loan I aquired in XXXX, CO, in XXXX. As far as I can remember, it could have been XXXX XXXX XXXX, and ended with the vehicle being repossessed for years later in XXXX. I never heard from the company again as they were located in Tennessee and I was then living in XXXX, CO. As per everything that I have been reading, you can see this is way past the statue of limitations. I have no idea why they would even try to collect on a debt that old? My next plan is to utilize my rights and request validity of the debt. However, I wanted to inform whoever I could of the work, time, and effort it is going to take to resolve this matter which is absolutely ridiculous. I have not had a vehicle finance since then until just recently in XXXX of XXXX. By the way, it is not financed with this company or any companies linked to this company. I hope all gets resolved quickly and fairly, I am not happy with these fraudulent attempts of collection. Please advise me on what I am able to do to resolve this matter and hopefully thort any future fraudulous requests. Thank you very much for your time. 
XXXX XXXX
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Someone please help me! 
I can't use 1 dollar on my credit card without credit bureau taking 11 points from me! When call credit bureau and XXXX XXXX they both point the finger at each other. 
This had been an issue ever since using XXXX XXXX and there suggested credit cards for 2 years or better. My first credit card was a suggestion from XXXX XXXX and it was a 300 dollar limit with good credit. Before my 25 dollar payment was due, XXXX  XXXX reported to both XXXX  and transunion and they took XXXX points. They said because I used to much of the balance, utilization? I get it now. XXXX XXXX offers me another card from XXXX  XXXX to bring my limit up so I can use more then just 10 % of 300 limit, I do it, just for opening the card they took 97 point. I used that card to get gas and stayed way under utilization and they took 11 points today and said it was for hard inquiry? They already ding me for the hard inquiry 2 months ago for that card. I loose sleep over this because iv turned my life around and have worked so hard to have good credit and I had good credit before I got involved with XXXX XXXX and the partners. This can't be the way it works now? Everyone iv talked to says they have never herd of such things? I have every screen shot and every email. 
They have took literally over 200 points from me for no reason! My XXXX from XXXX  is score is XXXX! That should tell someone, something! Also been trying to close my XXXX  XXXX  account and they will not do it! I have every email from them as well. There is no contact number and all done by email. They give me a case number and ask if they can proceed and I respond evertime, yes and that's the last I hear from them. Screenshots of that as well. So not only have they ruined my credit, I can't get away from them! It's like a crazy ex girl friend! No joke! I hope this email finds someone that will fight for me. Also XXXX XXXX keeps telling me I have a saving account with them when I don't, never had.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

i had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX Account {$54.00} XXXX XXXX XXXX Account {$170.00} XXXX XXXX XXXX  Account {$110.00} XXXX & XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}
Consumer complaint received 2022-11-30
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. (MN)

Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXXXXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 


Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX  XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX  XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.