davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

This complaint is related to the other complaint I have filed. I called the number given in response to my complaint by XXXX XXXX XXXX several times and was told only one man was allowed to speak to me and he was never at his desk. He never called back to arrange the payment of {$130.00} as offered. I never received anything in the mail from XXXX XXXX XXXX. The contact info I have is XXXX XXXX at XXXX ext XXXX and later was told to reach him at XXXX. Ive also tried calling XXXX/capital one several times. A woman named XXXX left her number as XXXX ext XXXX. She left the case number XXXX in the message. I have called that number daily, still unable to speak with her. It rolls over to another customer service representative. Twice I was told they have my address incorrect and I informed them of my correct address. On XX/XX/XXXX XXXX stated XXXX capital one had my address incorrectly listed as XXXX, Iowa. She said she was unable to change my address. On XX/XX/XXXX XXXX stated she updated my address to XXXX, Iowa. The last time I called I was informed by XXXX that XXXX capital one had re-purchased my debt from XXXX XXXX XXXX and I was being asked to pay {$390.00} again. On XX/XX/XXXX XXXX stated XXXX/capital one had my address as XXXX, Illinois-again incorrect. The {$130.00} was what I opened the store credit card with and the additional money is from late fees and charges for not paying the bill. They sent the credit card and all of the bills to an address similar to mine but in another city and then passed off this incorrect address to the debt recovery company. I have never received any mail from XXXX  capital one or XXXX XXXX XXXX. Over the course of this last year my credit score has dropped more than 100 points. XXXX  capital one again incorrectly updated my address as Illinois instead of Iowa. I asked them to send me anything just to prove that they had my correct address and show what exactly they wanted me to pay. I was informed by XXXX on XX/XX/XXXX capital one would not send me anything until I agreed to pay a settlement. I had to agree to a settlement that day and then something would be sent to me in the mail. I refused to pay {$390.00} as I am not responsible for their clerical error and continued incompetence. Damage has been done to my credit score and I was told capital one could do nothing to adjust that. I would be willing to pay more than the {$130.00} I owe if there would be some reassurance that my credit score would return to what it was before XXXX  capital one made this mistake. Please help me with this as it is frustrating and disheartening as I have worked so hard to achieve good credit scores in the hopes of obtaining a home improvement loan.
Consumer complaint received 2022-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received payment of {$200.00} for car service from one XXXX  XXXX of XXXX XXXX XXXX XXXX ri She then went to her bank I believe citizens and falsely reported it as fraud resulting in money being taken from me
Consumer complaint received 2023-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

I had an account with Chime. I disputed a charge with chime. Without telling me or asking me, they said during time on phone. We cancelled your chime card & ordered you a new one. I needed the {$1300.00} to pay my rent. They said 7-10 days. This was 1st week in XXXX. Card didn't come. USPS said wait 7-10 days. Ordered another card thru Chime end of XXXX. It didn't come. On XX/XX/XXXX I called Chime and asked for them to send check of balance of {$1300.00}. I have email confirmation. Never got check. Tried calling Chime. First I was told XXXX XXXX XXXX XXXX  & hung up on. Called back got hung up on. Called back, after the lady dancing in circles with me, she said my email address didn't fit my account. I took screensjot and sent it in. She didn't care that I was into my account with my email. She said she couldn't help my because she could not verify my account. In the mean time since I could not access my funds to pay my rent, I'm evicted from my place. I tried to pay XXXX 's rent and they said they would only accept XXXX, XXXX rent 2 late fees and attorney fees and court cost! Thats {$3500.00}. My rent is XXXX. I never received my money from chime and they closed my account. They owe me {$1300.00}.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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. (LA)

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 this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

I was robbed by a nurse aid by the name of XXXX XXXX police report filed with XXXX XXXX sc sheriff who copied my banking information without my knowledge later charging to my savings account, she also took the card from where I had it hidden in my room without my knowledge used it and retired it at a later date. The company wells Fargo is trying to say between XX/XX/XXXX and XX/XX/XXXX of this year I gave my consent for use when I did not
Consumer complaint received 2022-09-16
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (FL)

I am filing this grievance as Im at my wits end with communicating with TD BANK US HOLDING COMPANY. This complaint stems from issues with the TD Bank website. As with all my credit tradelines, I set up auto pay for my account to ensure the payment obligation is met monthly. However, unbeknownst to me, the auto pay did not save within their system. When I reached out to TD Bank once I was alerted of the missed payment ( as in my mind I was setup on auto pay ), I was advised I am not enrolled in auto pay & that I should have received an email advising the auto pay set up. How is one to know that as I am not employed by TD Bank to know the confirmation process? It is my experience given the digital age were in that when there are errors it wont allow you to proceed yet there were no alerts in RED or otherwise to advise the entry was set up incorrectly. I take great pride with my credit obligations, hence the auto pay, and have never experienced the lack of customer service or accountability that I have had with TD Bank, which resulted in the closing of the account. I would like the XX/XX/2022 XXXX-day late hit removed from XXXX, XXXX and XXXX due to erroneous and inefficiency with TD Banks website & their alerts. Being in an industry of proving a service to customer, this experience has been a lack thereof. Hopefully this wrong can be made right. Thank you for your time and consideration.
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have {$34000.00} in a 360checking account with capitol one that has been under investigation for fraud since XX/XX/2022. I was told investigation would take up to XXXX. I have given all information that they may need to prove the money is not fraudulent. I have been ignored and I even drove to XXXX capitol one headquarters just so I could talk to a manager. I was then told that the account was closed and money will be returned. That was in XX/XX/2022. Since then nothing has been done account still active money froze and I managed to talk to someone about 2wks ago and I was then told that it is still under investigation but when investigation is finished that they will cut a check and send it to address on file which is my address. Now when I asked when will this take place I was told that there is no predetermined date when that will be. It's been 6mths now and I need my money.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. 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 2022-09-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-09-18
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. (NJ)

Equifax report show cc to XXXX/XXXX ... I complained to them and they said it is my account and I should call XXXX MYSELF XXXX..called them on XX/XX/XXXX and they do not have an account in my name and would send a letter to Equifax to remove it ... .It is still not done. The XXXX report is correct ... .I ck both regularly,,, ,balance as of today is XXXX says date opened is XX/XX/1999 ... this is not mine ..they also gave acct # of XXXX.. again I always pay over the amount do on all my cards ... .this is not mine..Equifax confirmation XXXX ... XXXX said it would be corrected within 30 days..well 30 days is up and it is still showing up on Equifax report
Consumer complaint received 2019-09-17
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. (CA)

This complaint is being made against Experian on XX/XX/19. 

I got an email from Experian that alerted me to two hard credit inquiries that were not made by me. Their website clearly indicates that I can not make a dispute for inquiries online, and  directs me to call XXXX. Upon calling this ( and multiple other numbers listed as Experian customer service ), an automated menu walks me through a few basic menus that do not include any options to start a dispute, and that don't allow a consumer to speak to a representative for any reason. It is shocking and appalling how ridiculous this is, particularly since Experian is dealing with important information like personal credit.
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects 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 2019-04-04
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. (NY)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Consumer complaint received 2019-04-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

will I'd themselves. told stop call send mail. they will not id themself and ask for address verification immediately. I hv to hang up on them. threatened to sue etc. years this has been happening. block their no. and another no. will call thru with same tactic to verify personal info. always live person, mostly female voice.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a Visa credit card with Bank of America that had a small balance on it. They offered me a attractive zero interest balance transfer offer, and I transferred some medical bills to this card. As per the Credit Card Act of 2009, higher interest balances on the same card are to be paid first. Bank of America refuses to put any part of my payment towards the high interest rate balance. They are putting 100 % of my payment towards the 0 % interest balance, and have been doing this for 5 to 6 months. I have complained to their customer service and to the local branch office with no results. They are breaking the law, and probably with thousands of accounts.
Consumer complaint received 2023-07-24
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 27 of the attached credit report. ) This account reflects 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 2022-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Received letter from Bank of America XXXX XXXX says case XXXX said she was my direct contact except Did not include phone number location Tried calling return address was bounced all over country Last person said XXXX XXXX took over case. Will call me back. NO ONE has ever called me back Including numerous numbers different parts of country Only crooks go to this extreme to cover up forging FHA mortgages.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

To whom it may concern, I have disputed the bankruptcy on my report multiple times and nothing happened. I have done everything they have asked me to do - such as, file a police report, file for identity theft, and getting a letter from the court stating they do not verify any of these information. Not only that, I went as far as reaching out to their own vendors that they supposedly verify their information from. Even XXXX XXXX can not verify any bankruptcy under my social security number. Every single time I file the dispute - along with ALL the documents they asked for, they're telling me they're verifying it from XXXX XXXX. But how so? XXXX XXXX told me that there is absolutely NO bankruptcy under my social security. I am CERTAIN all these calls are recorded. So please use those as a documentation. 

Recently, XX/XX/26 - I have disputed the BK XXXX again and to my surprise it got taken off my credit report. BUT!!!! It got added back on the same day. From my knowledge of doing research for months - they have violated the law and was suppose to notify me within 5 days to add anything back on. To which they did not. I have already tried my best and done every thing they have asked me to do and till this day there is no change. 

Due to the violation - I demand that they remove the BKXXXX permanently or I will have to take action with a lawsuit.
Consumer complaint received 2022-09-16
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

Huntington Bank has given me 5 and I repeat 5 different stories on depositing checks availability. They DO NOT TRAIN THIER PEOPLE AT ALL TO BE A GOOD TELLER!! 
I deposited a check on XX/XX/2019 for {$300.00}, it was from my mother. 
I asked when will it be available?? 

teller 1 : We do not know, it depends on what the " back office '' decides. 
teller 2 : Possibly tomorrow, and for {$250.00} will be available teller 3 : Possibly tomorrow, and for only $ XXXX wll be available. 

I asked : My account is new, when will funds be available the next day guaranteed?? 
After 6 months!! teller 1 After 2 months. teller 2 I dont know teller 3 This bank is Pathetic!!!!!!!!!!! Talk about being vague, and hiring young kids that know absolutely NOTHING!! 

I have other accounts, it is all in black and white on funds availability, this bank needs to be investigated, and I mean NOW.