davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I had contacted capital one to try and make a payment in full on my card. They told me that they didn't accept payroll cards as a viable means of payment. My card does not have routing numbers or anything of the sort, which prevents me from paying online since I don't have a bank. Then they told me I had to send a money order to them. The last time I did that they still charges me late and it took over 20 days for that issue to be resolved. When I asked them if they were going to cover the money order charges they said they wouldn't do it. Capital one was refusing to take a valid card as payment to pay my bill. My card is accepted everywhere and anywhere but they refused to because of their policies they said. When I asked them to send me the writing in which it states that I can not use my debit card to pay my bill the manager I was speaking to denied to send me anything or tell me where it's located. I've had nothing but issues with capital one trying to get a credit increase to paying my bills. They kept refusing a valid card as payment on my account even though that's illegal to refuse a form of payment and I feel my rights as a consumer has been violated and taken advantage of even though I've had the card for over three years now and only received a XXXX dollar credit increase throughout all those years. I even have the call recorded from which they denied a valid form of payment and how they refused to pay for the additional fees of a money order l, to which they still would have charged me a late fee and I would have had to wait over 20 days like the last time for it to be corrected.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2023 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2019-09-09
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: CAINE & WEINER COMPANY, INC. (KS)

Caine & Weiner # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
Consumer complaint received 2022-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I recently filed a dispute with the credit reporting agency regarding wrong ( incorrect ) information on my credit report and it has been well over 30 ( thirty ) days and I havent received any investigation results.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (NJ)

I received a letter from Target TD Red Card around XXXX XXXX of XXXX  advising me that if I do not use the card within 30 days of the letter they will close my account which in turn will effect my credit. I used the card. Since then I have been trying to make monthly payments on my card however there is always an issue. They continue to report me to the credit bureaus however I still not have received one document or notice in the mail regarding late payments, date payment is due. They have not contacted me. The only documents I received from TArget TD was use your card or we will close your account and we are unable to contact you via email, here is paper correspondence I tried calling XXXX XXXX and the last time I got to speak to someone is I apologize that our system didnt take the payment when it should have. We dont contact the credit bureaus when there are errors made in our behalf since the threatening letter to use my card, this account has always given me a problem and every month TARGET continues to charge me fees and reporting me to credit bureau XXXX This card is {$1000.00} card not {$10000.00}. Furthermore they reported me again this month XXXX and XXXX for non payment. I can not get in my account because they want me to verify my card and the card I have is not allowing me to sign into my account to make payments. They shut my card down failed to send me a new card or contact me in writing or verbally to let me know whats going on. I got notified my the credit agency. I cant get a supervisor on the phone, usually its an individual with no clue. I need a new card to be sent with a tracking number, so I can get a card to log in and start making my payments. I dont believe I requested. New card or to have my card turned off. I had a score of XXXX now its at XXXX because of targets {$1000.00} credit. This cant be legal.
Consumer complaint received 2019-01-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX CFPB Closed Accounts Dispute RE : TD Bank checking account : XXXX To Whom It May Concern : On Tuesday XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX I was on the phone with TD Bank Customer Service Department at ( XXXX ) XXXX. During my conversation with the Customer Service Representative ( CSR ), I was never told that my account was in danger of being closed. She told me the opposite, and we even spoke about future plans for the account. I even was asked to enroll in TD Banks account voice recognition program, and I did this with the CSR.

My account had gone negative in XX/XX/XXXX. While on the phone with the CSR, I transferred {$250.00}. form my minor daughters ( XXXX XXXX ) linked TD Bank account ( XXXX ) into my TD Bank account ( XXXX ). The CSR waived {$100.00}. in fees, thus, bringing the account to a positive balance of {$9.00}. I again was, NEVER informing my account was going to be closed, and the CSR, told me that the account was fine, and that the issues were resolved ( listen to your tapes ).

Much to my surprise, TD Bank closed my account the next day, XXXX XXXX XXXX, for being a delinquent account. I have been told a lot of different stories from various TD Banks CSR, but they all had the same response that there was nothing they could do, and the account will remain closed.

Basically, what TD Bank did ( as I have been told ) is that the CSR had no authority to restore the account, even though she told me the account was fine and would NOT be closed. Since the account was coded for collection when the computer run / updates were done at night on XX/XX/XXXX, the account was closed, even though I paid it in full at XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX balance - {$340.00} TD bank credit from CSR ( XX/XX/XXXX ) {$100.00} Transfer from XXXX into XXXX {$250.00} Actual balance ( XX/XX/XXXX) + {$9.00} ( Therefore account should NEVER have been closed ) My complaint is that TD Bank illegally / should not have closed my account since it was paid to a positive balance on XX/XX/XXXX, prior to the cancelation date of XX/XX/XXXX. It also took several months and phone calls for TD Bank to finally return the {$9.00} credit that was in my account. Unless I contacted TD Bank, they were going to keep the {$9.00}. It was finally returned in XX/XX/XXXX, after I sent a complaint to TD Bank.

The other part of my complaint is that TD Bank, knowingly processed checks and payment, to only then rescinded them and charge me additional overdraft fees. Abuse of fees.

Please review and contact me with any questions.

Sincerely, XXXX XXXX  ( XXXX ) XXXX CC : New Jersey Department of Banking
Consumer complaint received 2019-09-09
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. (KS)

XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.
Consumer complaint received 2019-06-11
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see pages 43 and 44 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2021-07-14
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: Collins Asset Group, LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-07-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (CA)

My insurance company mailed a check to me to be endorsed with my signature and my contractors name told asked me to send it to AAG for information that I had filed a claim for damage sewage and Repairs of my home. AAG open another claim and kelped the check. I have been sending requested Documents, phone calls, left voicemail message sense XXXX AAG promise the check has been approved to be returned and will be sent to me soon. Because of this ordeal from 2022 XXXX to XXXX I am broke and living in a hotel with no fund to pay contractors for repairs. AAG scam me
Consumer complaint received 2022-07-08
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. (MI)

Transunion is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. Transunion does not have my consent to furnish this information regarding a charged off XXXX XXXXXXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.
Consumer complaint received 2019-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

In XX/XX/2019 I made a purchase for {$100.00} at a Macys store. I rarely use this account and with some unfortunate life events I forgot I had made this purchase. I never received a bill via email or in the mail. In XX/XX/2019 my Mother received a letter her address stating that I now owed {$250.00} to Macys. She stated to me that this arrived and that nothing had ever came to her house for me prior. I have not lived at that address in approx 5-6 years. I immediately called the Macys credit card to find out what was going on and they advised me that I made the purchase of {$100.00} and that the {$150.00} was for late fees. They asked me what my address was and I they had the incorrect address on file which they updated that day. Also, I paid the {$100.00} balance that I owed that day. They advised me to send in a letter disputing the fees and to correct my credit report back XXXX reflecting that it was not past due. I did all of this and within a week they denied the dispute saying there was never returned mail. Howeve3r, mail can not be returned if it is never received. Also, for the months of XXXX a phone call to me stating that the bill was past due was also never even made to me. 

I have already paid the {$100.00}, I am asking Macys to simply restore my credit back to reflecting a positive paying history since XXXX & to waive the $ XXXX in late fees. They refuse to help me at all. They have also closed my account.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

This complaint is about SunTrust not wanting ti have as business relationship with me no longer which is fine, This is about SunTrust closing my accounts and then them placing a freeze on all of my account to where I can not have access to any money. 

The type of problem that I am having with SunTrust is that time hey have placed a freeze on, all of my bank accounts to where all of my money is in the SunTrust account and now I can not pay my bills and I'm going to loose my lively hood due to this bank illegally placing a freeze on my accounts. 

I have these individual or a corporation that's have been hacking into all of jy accounts my XXXX XXXX devices and all of my XXXX   machines these people will not leave me alone. So I'm to believe that this is them placing these charges on my account due to that I have Benn through 2 other backing institutions prior to me being with SunTrust but neither of the last 2 banking instituions did not place a freeze on none of those accounts. In which I'm to believe or I'm to know that this is illegal for them to do to me considering I have done nothing wrong? 

The companies complaint about me was that they will not tell me to why they have poached ed this freeze on my account nor will they tell me why they closed my accounts all they tell me is to read " there ' '' rules and regulations. I said what about our government rules and regulations. Theres over proceeds our government rules and regulations I'm under the assumption? They also have not sent me one single document stating anything about what is going with my banking institution with them nor the freeze on my account I had to find all this out by with me calling them??? 

The people that are involved ion to know that there is a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX now? Due to these people compromising my life for the past 900 days and SunTrust of course as well in which they have denied all of my charge backs in which I DID NOTY CHARGE ANY OF THESE CHARGE BACKS ON MY BANK ACCOUNT. So now I'm the one being penalized from other 's doing to me what I would never wish done to None other???? 

I would greatly appreciate a answer ASAP due to that this is mine and my families lively hoods on the steak here. Please get back to me ASAP!! 

Sincerely XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXDEPT OF ED. Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i did not authorize any of these inquiries it was application submitted without my knowledge : XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/21
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NC)

PNC Bank refuses to allow me to link my bank account to the XXXX  service. 

I have been a long term PNC customer and XXXX  is a well known service to connect bank accounts to other services.
Consumer complaint received 2019-01-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

This involves Paypal. On XX/XX/XXXX, I sent a payment on Paypal to the account XXXX. We mutually agreed on XXXX for an online ticket purchase. I purchased 4 tickets totaling {$120.00}. The XXXX account under the name XXXX XXXX did not send the tickets. I was scammed. The Paypal account with the email XXXX, is under the name XXXX XXXX.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TX)

on XX/XX/XXXX I applied for XXXX vehicle loan, Sage Stream has sent me a denial letter after applying for a vehicle loan based on length of residence too short ( lived there since XX/XX/XXXX ), limited history for consumer at this phone ( 12 YEARS! ) too few active accounts 5 Active CCs. This is inaccurately reporting facts about my history. When XXXX this company SCAM ALERTS pop up all over the place
Consumer complaint received 2023-03-28
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX/Dofed has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have called Equifax more than five times in the last year about my credit report not being updated and being completely blank every time I call I'm told technical support will look into it but nothing have change for a whole year I want access to my credit report as it is my right and also desperately need my credit report so I can finally be able to apply for my mortgage loan as I have been waiting a long time to do so.