davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-25
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 (NV)

XXXX of XXXX I Paid off my Cabelas visa card using the phone automated system. I noticed in XXXX that they were still charging my bank account so I called them and found out I still owed approx XXXX . The lady on the phone could see I had made the payment so she looked into it and I had to get my bank on the phone. We did a conference call and found out that XXXX had refunded my account the payment because they were changing over to Captial 1. I decided to keep the account in auto pay because I needed the money for medical bills at the time. Then a few month later I found out I was being charged late fees on my account so I called again. In the change from XXXX to Capital one the auto pay was changed from making the min payment each month to a set amount of XXXX . The monthly bill was XXXX. They could not tell me how my payment had been changed nor would they fix the error. I called several times trying to get it resolved and finally sold a car and paid them off. I am trying to purchase a house and now it has gravely affected my credit score even though I paid them off. I paid them off because I was tired of dealing with the way things were being handled. I had not purchased anything on the card since XXXX of XXXX because the card had been hit with fraud twice in two months so I never activated the last card and was just working on paying it off. I think its an simple error when the companies changed over but why should I have to pay for it. I did get a notice that they were changing companies but from what I remember from the letter that nothing with payments were to change. The letter was basically saying that Cabelas was changing to Capital one. Capital one is the one who charged me late fees not XXXX. I think this is also an indication of an error in transition. I tried to reason with XXXX  from capital one today and still no headways.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (DE)

In XXXX, I obtained a TD Cash card. After XXXX ( XXXX ) years having this card and dealing with a lot of problems with it. On XX/XX/XXXX, I paid off the card in full and closed it. 

I kept wondering why my credit score dropped from a XXXX to in the XXXX 's. I didn't think of it much just told myself I need to bring up my score ...! 
Finally, after getting it back up to a XXXX, but it kept dropping XXXX points. I looked on my banks credit journey site and noticed that TD Bank stated that I had been delinquent in my payments of their TD Cash card since XXXX to present. 
I tried calling them every time they would hang-up on me. Then I was able to get in contact with the " Admin XXXX XXXX XXXX '' department ; They informed me I paid this card off in full, on XX/XX/XXXX. I should contact the bank to inform them of their mistake, and they would email and send out a hard copy of the " paid in full payment ''. 

Pleas note this has caused my credit to drop and I've lost many opportunities for my family and I owning our own home ; plus purchasing a truck, etc..
Consumer complaint received 2019-05-25
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: Experian Information Solutions Inc. (CA)

The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX  XXXX XXXX XXXX {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX  XXXX {$5000.00} Opened XX/XX/XXXX
Consumer complaint received 2017-05-25
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)

On Wednesday,  XXXX   XXXX , I received a letter from  XXXX   XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list TransUnion so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My business mailed a check to XXXX XXXX ( Check XXXX, mailed XX/XX/XXXX, cleared account XX/XX/XXXX ) but XXXX XXXX has no record of having received it. This was discovered by our bookkeeper. We contacted XXXX XXXX who investigated and determined no such check was received by them and closed the inquiry. We contacted our bank, XXXX XXXX Bank to assist and find out who negotiated this check. Our bank determined that check was negotiated at XXXX XXXX XXXX in XXXX XXXX On XX/XX/XXXX, a dispute for an altered misuse of check affidavit was submitted through my bank, XXXX XXXX Bank XXXX ( I have asked my bank for a copy of the dispute that as submitted but have not yet been provided with the copy but the attached email string confirms it was received and submitted to XXXX XXXX  XXXX ) .The check amount was {$9000.00} and is submitted herewith ( my bank does not provide me with the bank of the check ). 

XXXX XXXX Bank has told me that XXXX XXXX XXXXXXXX told them it would take 3-10 weeks to respond to the dispute. I have followed up weekly with my bank to get a status from XXXX XXXXXXXX XXXX. Each time, I am told that XXXX XXXX XXXXXXXX 's response is the same ( pending ) and that there is no live person in their operations department to talk with. I have asked my bank for copies of correspondence with XXXX XXXX XXXXXXXX and/or contact information at XXXX XXXX XXXXXXXX and each time told that this information can not be released to me. I have attached the email chain with my bank about this matter.
Consumer complaint received 2019-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OH)

I submitted a request on XX/XX/XXXX to XXXX to dispute information on my credit report for Midland funding collection. I submitted proof that I paid the account in full on XX/XX/XXXX in the amount XXXX. And they did not update the account on my report to the correct status of being paid and closed. I want my credit report corrected.
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

1st I received an XXXX mastercard by Synchrony Bank which I never applied for on XX/XX/2019. 2nd the card was sent to my nieces address in XXXX, NY XXXX. I live in XXXX, NY. Tried calling XXXX which was given to my by chatting on XXXX Mastercard website. I called the # and was on hold for over 1/2 hour.
Consumer complaint received 2019-05-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Credit card payments system change, payments system not working properly to make payments online at XXXX XXXX website for several months. Loans are high interest at more than 190 % interest rate, and I can not input card information and there is no " send '' or submit button to process the information on the company website exists, the card payments section is completely falsely presented and not working. One must call the customer service phone line with long hold times and pay a fee instead of the free online card payments system previously accepted, a breach on the loan agreement for payment methods. I complained to the XXXX XXXX representatives in XXXX of XXXX  that I can not make payments conveniently and I am paying more daily interest because I must wait on finding the time in my work schedule to call in and wait to make a payment over the phone. There are no answers to my concern, and I am ignored, or the phone line gets disconnected to avoid my complaint about the website. ( please see included dated images for the latest occurrence of this issue. 

On XX/XX/2019, at XXXX XXXX, I attempted to make a {$1500.00} payment to pay down the balance and avoid high-interest accumulations. CSR ( customer service representative ) said I could not pay more than 2 payments in 21 days with a credit card over the phone. CSR said I could also not submit payment at XXXX XXXX branch, even in certified funds. CSR also said I could only make a payment through XXXX XXXX banks with the XXXX XXXX account number, but only if I paid the full balance of {$4200.00}. CSR then said they would only accept more money towards the loan at XXXX locations before XXXX, and there ar are fees attached to sending payments through XXXX systems of {$10.00} or more. I asked if I can use my checking account to make more than two payments over the phone, CSR said I could not make more than two payments on website either with a checking account, because an error message would occur. XXXX XXXX is purposely stalling the payment process and causing excessive expenses in addition to the high-interest loans, by making it expensive or impossible for the customer to make higher payments on the loan so the customer will continue to accrue excessive interests and either not catch up to the loan or default and eventually lose possession of the vehicle. 

During the XXXX  year, I received an excessive amount of calls to collect the monthly payment, even after asking them in writing to stop calling me.
Consumer complaint received 2023-04-10
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX
Consumer complaint received 2019-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (WA)

This Company, XXXX XXXX at XXXX has literally called my Phone Number hundreds of Times over the past year, 5 times just in past few days. They just recently asked per recorded message if I was a person I have never heard of & asked me to push a Number on my Phone, I did, indicating I am not that Person. This Company continues to leave Robo Calls. I owe no Debt!!!!! They need to Stop Immediately!!!!!
Consumer complaint received 2019-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name XXXX XXXX, I've been retired from the XXXX XXXX since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found an collecton item on my report that was resolved. 

My wife changed our phone service and no longer wanted the internet service. My account was paid in full and closed to my knowledge. Now I am looking at my report and I see that this company has placed a balance due on my credit report. 

I have had service with this company for year and have never changed my phone number. 

If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in south Florida after I retired in 1971. I have always had perfect credit and now my credit have been used sateing that I have not been current with my bills. I am asking for my this collection item to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account.
Consumer complaint received 2019-05-25
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: Experian Information Solutions Inc. (FL)

My name XXXX XXXX, I've been XXXX from the XXXX XXXX since XXXX. I'm now an XXXX year old XXXX, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I XXXX from the XXXX in XXXX, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in XXXX. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-05-25
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. (FL)

My name XXXX XXXX, I've been retired from the US Military since 1971. I'm now an XXXX year old man, and lve been retired for 48 years. I've recently pulled my credit to see what was on it. Apond pulling my credit I found several items that I never applied for, several address on my credit profile that I am not aware of. I never lived at any other address. If you look at my credit profile I have live only in one state after I retired from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I retired in 1971. I have always had perfect credit and now my credit have been used fraudulently used. I am asking for my address to be corrected on my credit profile and any other to be removed form my credit profile. I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (FL)

There are XXXX new accounts ( credit/loan ) opened on the last XXXX months that are not mine. These accounts are : XXXX XXXX XXXX in the amount of {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX credit card {$2900.00} XXXX XXXX XXXX XXXX {$0.00} I dispute these accounts with XXXX and XXXX . They responded that they verified my information with these companies consequently these accounts are remained in my report.

I put a freeze of my credit with the XXXX agencies. 

I also put an initial fraud alert with the XXXX agencies. 

Neither I or someone else on my behalf requested these accounts and I need to be removed them from my credit report. 

In addition, I received a letter from XXXX XXXX informing me that my credit information has been accessed by an authorized third party. ( See attached letter ).
Consumer complaint received 2023-04-10
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. (LA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-08-16
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. (IL)

XX/XX/2022 I received dispute results from Experian stating an alleged debt was verified. I reached out to XXXX requesting a description of their reinvestigation procedure for an alleged XXXX XXXX account ( account number XXXX ) that was verified. Certified mail receipt number - XXXX, Exhibit A. I have yet to receive a response that includes a description of the reinvestigation procedure. Experian is in violation of my rights as a federally protected consumer. 

Experian Knowingly Broke The Law. Pursuant to15 USC 1681 a3 - ( 3 ) XXXX made it clear that your company assumed this role. I never gave permission to furnish a consumer report on my behalf. My reasoning is based on consent and privacy. I am not making a dispute, I am making a demand. You were not given express permission by me, the consumer, or competent court jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

For the last 6 months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of my credit report.
Consumer complaint received 2022-08-16
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. (FL)

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease XXXX  months late, so i disputed this with XXXX  saying i never paid XXXX  months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!!

thx
Consumer complaint received 2022-08-16
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)

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease 8 months late, so i disputed this with XXXX saying i never paid XXXX months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx
Consumer complaint received 2022-08-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CO)

I have sent numerous emails to Explore Credit revoking my XXXX authorization. They continue to pull funds every two weeks. I have contacted my bank to block future transactions and also dispute the most current transaction. 

When I revoked my XXXX authorization they stopped pulling by using my bank account and routing number, but then began making XXXX withdrawals using my bank debit card. I have revoked authorization on both. When I asked for them to confirm they received my email to revoke the XXXX authorization, I received an email from " XXXX '' on XX/XX/2022 confirming they received my requested. 

To date, they have made automatic withdrawals TWO additional times since " XXXX '' responded. 

I may have to close my bank account and cancel my debit card if this continues, all because this company continues to break the law. If they are doing this to me - I know they are doing it to others. Please help.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I have written the loan servicer numerous times to provide verifiable validation of debt and to prove they are the rightful note holder. I have agreed to pay once this information is accurately provided. They have not responded properly with verifiable information which has led me to believe there is no note and they have committed mortgage fraud. 


Regards, Without Prejudice/ Without Recourse