davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (LA)

I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance
Consumer complaint received 2019-05-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Hello, I received a call from California Check Cashing on XX/XX/2019 at XXXX from the Manager at the XXXX XXXX , CA location. The Manager did not want to state name but stated that she was the manager ( her number was : XXXX ). She stated that she was calling regarding a past due, I stated to her if she knew what time it was. I did state to her that she is not allowed to call before XXXX XXXX. She was aware of the time and the issue. I spoke with XXXX from the Corporate Office to report the issue at XXXX XXXX. XXXX stated that XXXX-the director will be reaching out to me.
Consumer complaint received 2021-10-28
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: Experian Information Solutions Inc. (NJ)

Dispute Against : Experian, XXXX XXXX XXXX, XXXX, TX XXXX On Credit report # XXXX ( XX/XX/2021 ), Experian Reported account XXXX Acct # XXXX, as a charge of. 

This is invalid. 

This is my third time disputing this account as fraud. This account is the name of " XXXX Ask '' ; my name is not " XXXX Ask ''. I also have two fraud affidavits from the Federal Trade Commission. 

Experian has failed to do a proper investigation and has not removed the name " XXXX Ask '' from my report as I requested. 

Please see attached : -Federal Trade Commission Fraud Affidavits -Dispute Letter- -FCRA Laws 611,609, and 605
Consumer complaint received 2021-10-28
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. (AZ)

Credit inquiries I did not authorize someone is applying for things in my name and the creditors are not investigating. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I began disputing this debt in 2020, sending debt validation requests, and notifying them I had been the victim of identity theft. Additionally, I sent multiple follow up letters notifying them I had not received any response from them validating the debt, or any response regarding what this debt was even for. I also notified them they were violating the FCRA and causing malicious harm to my credit report. 

Originally, this debt was removed from my credit report, but them years later began being reported once again with different dates and reporting information. 

To date, they have failed to provide proper validation of this debt or proven it is mine.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for committing identity theft. I have never given XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX ( XXXX ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX  continues its collection efforts, I will file for litigation for actual damages caused and XXXX  will be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant XXXX XXXX. Your prompt attention are both requested and required.
Consumer complaint received 2021-10-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (KY)

Loan officer and underwriter refuse to answer emails sent out during the refinance process, send pushy texts and play games with underwriting. The only priority is their commission and when they aren't able to get what they want, they sabotage the process. 

After I complained to their Veterans United `` advocacy team '', the loan officer emailed and demanded more money to continue the loan process. Instead of assisting, VU causes additional problems. 

While they come up with additional underwriting requirements 8+ weeks later, the closing date keeps changing and I go without the equity money needed, while I accrue damages. 

I have attached email screen shots from XX/XX/XXXX, when the process was started, to XX/XX/XXXX when additional underwriting requests were made. I also have an email sent to Ms. XXXX that contained underwriting information, which was never accepted or even acknowledged 3 weeks later.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

The amounts were for XXXX $ for captiol one and XXXX for XXXX during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me
Consumer complaint received 2022-12-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Reporting a closed bank of america account for late payments as well as dropped credit score XXXX point in less thank 30 days ... also reported amount was {$500.00} and then {$200.00} I called XX/XX/2022 they corrected it by XX/XX/2022 then reported the same information causing credit score to drop I disputed twice XX/XX/2022 and XX/XX/2022 asking to remove late payment due to accout being paid in full and not being late information reported was false
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NY)

On XX/XX/XXXX Convergent Outsourcing called me from a XXXX local number asking me for a Mr. XXXX, I told him that this was not Mr XXXX 's number, He was a past client, he no longer was and to please remove my number from there list, which they said they were. 

However, again on XX/XX/XXXX, They called me again asking for Mr XXXX again, Convergent Outsourcing kept calling my personal number to ask for someone else, I have also filed a law suit against them, but Convergent believes its ok to keep calling consumers even when you tell them not to call.
Consumer complaint received 2022-12-03
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX : {$240.00} ; XXXX XXXX Balance : {$29000.00}
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been banking with SunTrust for several years, SunTrust and BB & T have merged and Since XX/XX/XXXX I have had nothing but problems! Banking app is not showing all transactions, I had to call on the XXXX, XXXX and now will have to call on the XXXX. My husband and I each have a debit card, if he uses his and I use mine, .and transactions are not showing up on the mobile app I can't keep up with the balance. On.the XXXX I was on the phone for XXXX minutes and was hung up on, called back again, on hold for XXXX XXXX minutes to ask why my payment to XXXX XXXX XXXX was not showing..This was a debit and should have showed up immediately, was told by XXXX that they could see the payment on their end but it was not showing that it was paid. Today is XX/XX/2022 and debit is still not showing. Husband brought groceries today at XXXX 's XXXX XX/XX/XXXX used his debit card at around XXXX p.m still not showing up on mobile app, will have to call them again tomorrow XX/XX/XXXX and hold time will not be less than one hour. Branches forTruist are not taking phone calls at all. Left a message with branch in XXXX, Florida on the XXXX no return call today XX/XX/XXXX. I DON'T KNOW IF MY BILLS ARE GETTING PAID SINCE THEY ARE NOT SHOWING UP ON the APP! Certainly can not stay on hold for an hour or longer to be told that they don't know what the problem is. Husband works out of town and I do n't drive to get to a branch!!! These problems with the merger are on the news, XXXX, XXXX and XXXX. Someone has to help the customers!!! I receive Social Security and hearing horror stories from other customers that they did not get their direct deposit because the routing numbers and account numbers were changed. We all received letters stating that routing and account numbers WOULD NOT BE CHANGED. This bank is a complete mess. We live in a rural area of XXXX Florida and there are not really any other banks other than Truist around us. Please help?????
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

My name is XXXX XXXX. I have been submitting claims, complaints and cases through the Coinbase website and have only gotten automated responses, and then no responses at all. I originally purchased {$1500.00} worth of XXXX currency in XXXX on the Coinbase platform. I purchased XXXX, XXXX and XXXX. In XX/XX/XXXX, I noticed all of my funds were taken from my account. There are no transactions showing the money being withdrawn from my account, nor did I sell any of those positions or take money from any of the investments. I am not getting any response when submitting claims. Please help, I am seeking whatever legal recourses needed at this point. I have multiple case numbers and a complaint number. Here is the case number I tried re opening XXXX and complaint number XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report. Also, another hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report on XX/XX/XXXX.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

Back in XX/XX/XXXX, I submitted a CFPB complaint against National Credit Adjusters and how theyre reporting a debt supposed it owed to them incorrectly. I disputed that the open date is showing incorrect on my XXXX, XXXX and XXXX of an incorrect open date of XX/XX/XXXX, which is incorrect! According to what they sent youll via response showed that the supposed date of last payment was XX/XX/XXXX, not any dates in XXXX. I am asking that this account be deleted due to inaccurate reporting immediately.
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

I had XXXX  XXXX at XXXX XXXX XXXX  back in XX/XX/XXXX. After follow up visit I was told I had XXXX follow up visits at No charge ( had my check book out to pay, was told I owed nothing. Received a bill in the mail I called them, they said to ignore the bill I owed nothing. Had a second visit wanted to talk to someone regarding the bill they told me to wait till after my visit then I could talk to someone. XXXX with XXXX he told me I did not have follow up visits at no cost, was a bit rude to me, I tried to dispute this at the office and they would not talk to the girl at the receptions desk. Then received more bills, tried to talk to the office and they would not talk to me, just said I would be sent to collection. 
XX/XX/XXXX I sent them a certified letter with a check for {$56.00} per my insurance invoice, with a note on the back of it saying, " By endorsing and cashing this check you accept payment in full for all Visits thru XXXX XXXX. '' the check was cashed when they received it. I then received a call from XXXX ( XXXX  XXXX  XXXX  ) about monied due, explained to him the letter and check sent, he said he will Not cash it, As I told him it was already accepted and cashed, he then told me he would send the money back to me, I told him NO if he sent it I would not cash it. 
I was then turned over to Allied Collection agency, showed them my proof, Since XXXX they have dropped me and put me back on collections, they just closed the account again and reopened as of XX/XX/XXXX. I went in person again XX/XX/XXXX to try and resolve this but XXXX ( a manager XXXX said they can keep on renewing it and he says they didn't receive this till XXXX, even after I showed him Proof they had this account since XXXX! He even copied a fax I sent to them in XXXX, and when I told him I spoke with XXXX he said nobody worked there by that name yet the fax proved I sent it to him in XXXX. XXXX would not even acknowledge all the phone calls and people I have talked to over the years with Names, Dates and Times XXXX  Years I have been trying to resolve this. What is my next step.
Consumer complaint received 2021-10-28
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. (GA)

I submitted a complaint to you all dated XX/XX/2021 Im regards to Experian violating my rights in accordance to FCRA 611 ( a ). I requested a method of verification letter, supplied my Identification and other documents per usual and Experian responded back to you to provide things already supplied along with letter. At this point they are trying to prolong this instead of resolving. I provided my documentation along with identification with the initial letter. So tell my why do you need it AGAIN?? I demand a deletion of the bankruptcy. Do not allow them to get away with this. It is sending a message that its ok to to violate consumer rights. They were suppose to respond in 15 days. They received on XX/XX/2021. Just do the right thing and stop trying to prolong this.
Consumer complaint received 2022-02-04
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$830.00}
Consumer complaint received 2021-04-14
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: EQUIFAX, INC. (PA)

first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, XXXX XXXX XXXX a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands.
Consumer complaint received 2022-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

I started a transfer on pangae money transfer on XX/XX/2021 for XXXX XXXX and the transfer was completed but my recipient has not received the money, and they have charged my account, i want a refund but the merchant is not helping me.
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

Went into forbearance on time with Dovenmuehl Mortgage, made 5 payments during forbearance. Deferral was done incorrectly on XX/XX/22, putting account into late status right away even though I made payments every month starting 2 months before deferal was finally done after asking for 2 months. They are refusing to correct the deferment so the account shows on time the past 5 months, and owe 3 payments they have not credited me ( {$6300.00} ). 2 were refunded.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

Company : TD Bank Claim : Fraud Amount : {$300.00} On XX/XX/XXXX, I contacted TD through secured messaging about a {$300.00} checking promotional offer I signed up for earlier in XXXX that wasn't paid but for which I was eligible and later qualified through required activities, according to the terms of the attached screenshots I captured during account opening. After a few emailed responses, I received the final on XX/XX/XXXX, which claims the terms on record for the promotion don't match the terms that were advertised when I signed up for the promo. 

My offer is eligible for customers without a checking account in the past 12 months. TD claims the offer was eligible to customers who have never had a checking account. TD confirmed I last closed a checking account in XXXX. The small print is clear that " within the preceding 12 months '' is the threshold for the offer running XXXX XXXX, and my last account was over 36 months prior. 

I asked customer service if it could offer an email address that could accept file attachment ( screenshots of TD 's offer at the time ) and escalate this concern. They declined to provide one. 

After searching online, I found TD 's primary complaint department email address and sent it my screenshots file in late XXXX, asking them to read the file and determine why the promotion was not paid. I was promptly redirected from its XXXX offices to its US offices, sending the same email and attachment on XX/XX/XXXX. There's been no response for over three weeks except to initially say they're very busy. 

I'm alleging fraud because though TD typically runs an offer that's eligible only to those who have never had an account. This offer was unique. Had I not been eligible I would not have opened the account. Later, had TD acknowledged an error in the offer terms, I wouldn't think it were an intentional misstatement ( and I wouldn't need to file this complaint ). However, due to the initial denial and subsequent silence despite visual timestamped proof, it seems an intentional action.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.