davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
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. (MD)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-30
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. (CA)

Upon checking my credit report I noticed a fraudulent account. I have disputed this information with FTC.GOV. I also tried to resolve this issue with the creditor. Turns out nobody is replying to me. I need this Negative item out of my credit report. Its damaging my financial status and hurting my credit score. My relationship with other financial institutions will be terminated if this issue is not resolved.
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (IL)

In Experian 's response ( dated XX/XX/XXXX ) to my complaint through this portal ( dated XX/XX/XXXX ), Experian stated the following : Based on our reinvestigation ten of the disputed accounts mentioned in your previous correspondence, received XX/XX/XXXX, are in the process of being removed from your credit report. One of the disputed accounts is not currently showing on your Experian credit report. The disputed inquiries are not currently showing on your credit report with Experian. Once the update is complete a copy of your credit report will be forwarded to you for review. 

I have yet to receive said report reflecting the deletions mentioned above. Please mail the report to me immediately ...
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

Bbva placed a security hold on my account on XXXX. My employet has deposited my checks via direct deposit into this account. Ive been told i will not have access to my funds until they hear back from their upper management to figure out why my account is on hold. Ive tried faxing documents to verify my account and they wont even allow me to close my account
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (GA)

Account was charged XXXX NSWF fees for transactions that show the account was positive at time of transaction. Was charged XXXX dollars for XXXX purchase XXXX Charges are as follow and order. 

XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 NSF CHARGE $ -XXXX $ -XXXX XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$14.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$18.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$19.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$20.00} XX/XX/2016 XXXX ( XXXX ) XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XXXX {$23.00} XX/XX/2016 XXXX # XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX $ -XX/XX/XXXX {$39.00} XX/XX/2016 XXXX XXXX XXXX DEBIT FOR CHECKCARD XXXX XXXX -XXXX {$47.00} I also deposited XXXX dollars via the mobile app which has always posted the next day which would have covered the XXXX cents i was charged XXXX dollars for. The app always post the next day but this time it has not. I called the customer service line was put on hold for 45 mins and told they did n't have the tools to fix it. I was told the supervisor had stepped out, then told to write a letter, when I demanded to speak to someone. I was put on hold then hung up on.
Consumer complaint received 2022-03-13
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. (PA)

I am writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my concerns.
Consumer complaint received 2019-03-29
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. (LA)

XXXX ; Experian and XXXX are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.
Consumer complaint received 2018-11-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Transunion to provide the method of accuracy & verification used by Transunion pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Transunion remains non-compliance till date. Third, Ms. XXXX requested Transunion to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Transunion again went silent.
Consumer complaint received 2018-11-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXXs repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, Equifax again went silent.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The Bank I Bank with charge me overdraft fees for transactions that was made due to at the moment funds not available due to my bank holding the funds not releasing it upon availability. Even their own online banking system shows there's no overdraft funds made and they charged the overdraft fees.
Consumer complaint received 2019-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX ; XXXX  and Transunion are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting on my credit report.
Consumer complaint received 2022-03-13
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. (DE)

I am requesting for incorrect information to be removed & blocked from my credit report. FCRA XXXX XXXX XXXX, XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NV)

XXXX XXXX, issued a refund of {$150.00}, {$75.00}, {$20.00} and {$20.00} on XX/XX/XXXX. Reviewing my transactions on XX/XX/XXXX, I found two additional {$20.00} charges and emailed Barclay. Barclay then made corrections; posting two {$20.00} credits to the card on the XX/XX/XXXX. Notes were put in the system regarding the {$150.00} and {$75.00} dollar credit however as of today those credits have not appeared on the account. My concern is, I have exorbitant interest rates on all my credit cards so interest is costly. I emailed Barclay and requested for timely processing of all the XX/XX/XXXX credits however seven business days later - no resolve. In addition, the two charges of {$150.00} on XX/XX/XXXX and XX/XX/XXXX still have not been credited to the account from XXXX XXXX.
Consumer complaint received 2022-02-18
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-13
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. (FL)

I XXXX XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Account Managers, Inc. (WA)

In 2012 I had a child. 6 months after I received a bill from the provider but it was substantially higher than I expected, and I was told it was because my insurance did not cover the additional tests required. I talked to my insurance company. The tests were XXXX tests and XXXX done weekly because I was " XXXX '' aka over XXXX. The insurance said that they had not put the XXXX on the bill and to work with them to have it resubmitted. The office manager verbally told me she was working on that and I no longer recieved any bills. Then I recieved a notice it was being sent to collections. I called and it was a new office manager and I reexplained and she was going to look into it, but apparently just turned it over for collections. Grimm Collections has contacted me several times for payment and I have told them this every time all the while trying to get the provider to rebill insurance, but since they sold the debt to the collection company the office manager said it was no longer their debt. I was served with papers that they were going to take legal action. I asked the process server what the next steps were because at this point the medical provider has closed their office. I was told that I would be contacted with a court date. The paperwork only gave options for payment, so I waited. Now I am getting demanding calls XXXX and three times a day demanding full payment, and that they are not going to stop calling and saying that the court date has already passed and I missed my opportunity to say my piece.
Consumer complaint received 2022-07-11
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: NRA Group, LLC (PA)

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please see attached documents and ID as it contains my full complaint and request.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MCCABE, TROTTER & BEVERLY, PC (SC)

XX/XX/2019 we received a letter about a debt for XXXX XXXX XXXX homeowners fees for XXXX ( collection agency McCabe Trotter, and Beverly ) and a lien on our property. The original bill is due in XX/XX/2019. We have always paid our Homeowners fees with no problem. We contacted our homeowners association to ask if they sent it to collections and they stated they did. In their letter they stated that they give people up to one year of the next year to pay these fees. They did not give us that option, they also stated this in our meeting. Some people has been out here for 2 or more years and are behind on their payments the homeowners association stated in our meeting. They did not give us this option. And they did not write us telling us they were going to sent it collections. We just received collections papers by mail. My husband is a XXXX veteran and we are in chapter XXXX bankruptcy. We are being harassed about taxes and liens about this property and we believe they are trying to foreclose and sell the home.
Consumer complaint received 2018-10-30
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 — Their investigation did not fix an error on your report
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My mortgage account was originally set up with XXXX XXXX on or about XX/XX/XXXX and I was never late with any of my payments. On XX/XX/XXXX I made my monthly mortgage payment on time in the same manner in which I made all my previous payments. Apparently sometime in XX/XX/XXXX my mortgage loan was either sold or transferred to Select Portfolio Servicing , Inc, I was never notified of this transfer and shortly thereafter my monthly mortgage payment to XXXX XXXX was returned and I was subsequently considered 30 days late with Select Portfolio Servicing , Inc . I tried calling Select Portfolio Servicing, Inc multiple times and no one from their office returned my calls. I contacted them in writing and they stated their credit reporting to the credit bureaus is accurate. I believe this is totally unfair and may be illegal. My Credit Reports have always been immaculate, and this 30 day late posting has dramatically damaged my credit profile.
Consumer complaint received 2016-04-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander makes it impossible to close a bank account with them. I attempted to close my bank account by sending an email to Santander requesting my account to be closed, however they stated that they can not do this via email and would have to call. I then called them on their banking phone number and they told me that the " Bank Account Closing Department '' was closed, despite it listed as being open 7 days a week on their website here : XXXX Not closing my account after repeated requests is a violation of consumer protection laws, and I am now demanding that Santander close my account, unless they want to be taken to court for willful negligence. This is the worst experience that i 've ever had with a banking institution, and with these practices, I do n't see how they have n't been sued already.
Consumer complaint received 2017-03-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Collection Systems, Inc. (MO)

I have repeatedly requested that National Credit Management provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

my check ( XXXX XXXX ) was intercepted with a payee change to an unknown person. Bank of America called me to ask if it was valid because they questioned the check, but it was still cashed after i told them it was not correct. I do not have a BOA account at this time now they will not refund my money after 90 days. the amount is {$6300.00}
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC is charging me a late fee for a credit card that had no balance and which I have not used for years. I called them one or two years ago asking to close the account, they said I should go to the branch to close it. I explained I could not go during the bank hours since I was working. I just wanted to close the account. Now I found out this affected my credit score. Further, I have a charge that I don't recognize.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Bank : Citibank Customer Name : XXXX XXXX XXXX XXXX Checking Account Number : XXXX Savings Account Number : XXXX Complaint : Violation of Promotion XXXX Summary : Citibank violated its terms and conditions of Promotion XXXX. Citibank promoted a {$400.00} cash bonus offer for new bank customers who open a checking and savings account with a minimum deposit of {$15000.00} and maintain a minimum balance of {$15000.00} for 60 consecutive calendar days. 

I opened the designated accounts and deposited {$15000.00} funds on XX/XX/2018. I met all the requirements for the {$400.00} cash bonus offer. After about 3 months, Citibank had not deposited the {$400.00} cash bonus to my account. On XX/XX/XXXX, I called Citibank to inquire about the cash bonus and was reassured by bank representative that the bonus would be deposited soon. I asked about closing my savings accounts and was told closing my savings account would not jeopardize the cash bonus offer. I proceeded to close my savings account. 

After waiting longer, I inquired with a Citibank branch about the cash offer. I received a letter date XX/XX/2018 that states I did not qualify for the cash bonus offer because I closed the savings account. 

I feel Citibanks action is deceptive. My accounts and deposit met the conditions of the promotion in the published time frame. I followed the guidance of the Citibank representative to close my savings account. 

Desired Resolution : Citibank honor its promotion and deposit {$400.00} to my account.
Consumer complaint received 2018-10-31
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. (TX)

Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Experian as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.