davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DE)

Ive had a checking account with TD Bank since approximately XX/XX/XXXX. I regularly use the mobile deposit feature that is available on their app to deposit payroll checks. Yesterday I deposited 6 checks in the same manner as I always do. Typically my funds are available on the next business day. For some reason today they are not. When I checked my account this morning it shows a FM Deposit Hold- See SM entry next to each check that I deposited. I contacted the bank and was told that my money will not be available until XX/XX/XXXX, that is over a week away! I did not receive any alerts when depositing the checks that advised a hold would be placed. When I spoke to them this morning, I was advised that I could take the checks to the local branch and the teller could call the issuing bank to see if they could possibly clear a few of them. The checks that I deposited were from my employer, the same employer that I always deposit checks from so I dont understand the problem this time. They are holding my money hostage. This has got to be a violation of UDAAP.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am refiling this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Experian. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-11-26
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. (VA)

I have a freeze in place, and a fraud alert. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (KY)

I have asked this company to send me directly, proof of me owing the large debt that they claim that I do. Proof, such as a contract. I was sent a bill, which I do not recognize, which is definitely not adequate proof of a debt owed. 

I have asked them to delete this account from my credit reports if they are unable to adequately verify this debt, as they are unfairly and illegally infringing upon my consumer rights!!! 

They have not only failed to deliver the adequate proof, but have also ignored my request to have this account deleted, due to them not adequately verifying the claimed debt. This is illegal!! Please deliver the adequate proof, or remove this item from my credit report and cease attempting to collect any money from me!! Thank you.
Consumer complaint received 2018-11-26
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. (IN)

I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with Transunion and 13 with XXXX along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

Comenity bank ( which handles XXXX 's credit cards ) went into my credit report and saw two new cards. The algorithm kicked back that it should DRASTICALLY decrease my credit limit, even though I have been paying on time for more than a year. This has decreased my FICO score and is, simply, unfair. I need a resolution that is just, immediately. HOW CAN YOU BE PENALIZED FOR PAYING ON TIME???? These rules and algorithms need to change immediately. It's predatory.
Consumer complaint received 2019-09-06
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. (TX)

I have disputed XXXX XXXX for months now. I have sent certified mail to XXXX XXXX requesting validation of debt. I have sent a follow up letter telling them they are required by law to send me the proper documentation proving they have the right to report on my credit. I have not received the response with the request information. I have submitted these documents to the XXXX  & Equifax with no response. I want XXXX XXXX to either send me the requested inform or delete the account from all 3 credit reporting agencies.
Consumer complaint received 2018-11-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (FL)

Received a call from ARA XXXX XXXX. Claimed I owed XXXX, used my SS # and was vague about the issue. I hung up and he called back and said that since I did so I had proven my guilt. I called back and asked him what I was guilty of? 
He sounded like a scam artist.
Consumer complaint received 2019-09-06
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. (TX)

XX/XX/XXXX I Have sent out numerous letters with attached proof of identity, bill, and social security number asking for everything stated on my credit report to be fixed and everything false to be removed. They did nothing but, ask me to submit the proof I've sent with every letter. I've sent numerous letters and have it all time stamped proofs.
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

I have contacted this company several times, looking to resolve these issues related to items being reported on my credit report. 

I have consulted with the hospital directly, and know that they have verified that Myself and my children were covered by both primary and secondary ( XXXX ) insurances on the dates that this company is attempting to collect on. 

I have been covered by XXXX from XXXX through XXXX. 

XXXX XXXX, my son, has been covered by XXXX through these dates as well. 

XXXX XXXX, my daughter, has been covered by medicaid from XXXX through XXXX. 

This is in addition to our primary insurance at the time. The hospital had them both on file, and failed to bill us properly. 

In addition, they unknowingly sold my HIPAA covered information to this agency, who now refuses to send proof of me releasing any rights to have them have ownership of this information that is being held by them. They have chosen to not acknowledge my dispute with them, and I will have to exercise my rights as a consumer by law.
Consumer complaint received 2019-09-06
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. (GA)

I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX XXXX XXXX XXXX XXXX XXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now EQUIFAX and XXXX have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IN)

XXXX XX/XX/XXXX someone was trying to take cash advance from my credit card and also applied for a loan in my name with Citi Bank. I called the bank immediately. When I logged into my account everything was pending. The bank cancelled the card and replaced it by a different number. I was assured that everything will drop and would not be processed. For a period of time I could not log into my account. when the new card arrived I had to register all over again and create an account. when I had access to my account I found three cash advances were posted to my account and a cash advance fee charged to the account. When I called the bank they told me they are investigating. 
If I alerted the bank that I was not the one who was taking the cash advance why they did not stop it and why two more were added? Everything was pending nothing was paid yet why they transferred the money to someone's XXXX account? I alerted them it was not me who was doing this. I closed the account but the balance is much higher than it was before XX/XX/XXXX when all this took place. I am only responsible for the balance before XX/XX/XXXX. It also worth mentioning that I have never activated any of the credit cards they sent me since I opened the account two years ago. I simply opened the account because of a promotion they had and I transferred a balance at 0 %. I was only paying off the balance and have never used the card in store or online. the history on the account would prove that. 

XXXX XXXX
Consumer complaint received 2019-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC. (OK)

I had gotten a Payday loan from a loan company I had been doing business with off and on for 2-3 years. The loan was for {$150.00}, at {$170.00}?? Something payoff in 30 days. I'm guessing on the date but I believe it had to have been XX/XX/2018 or close to it. I was short on my pay off and went to XXXX & XXXX in XXXX Oklahoma, to the Check in 2 cash. 
I assumed that I could pay the interest on the loan and possibly a late fee or processing fee and right a new check for the same amount, they would shred the same old one and I'd pay the original debt off the next month. 
First of all the XXXX woman who i Had never seen or talked to before representing the loan company was almost immediately unprofessional. She was blatantly and obviously flirting with me and saying well you've been in time and time again and been paying so get my phone number, I said I can pay you something to day just not all of it, she replies like I said get my phone number which she hand wrote on the back of a card we can work something out, how much you got. Anyways long story short I wound up giving her {$60.00} cash wrote a new check for a prorated amount less than the original one which she was supposed to shred I don't remember the exact amount but it was less than the original {$170.00} here a few months ago she had tried to cash both ok f them multiple times to my new significant financial loss. If you need more information contact me.
Consumer complaint received 2023-03-27
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. (MA)

In XX/XX/2022, XXXXXXXX XXXX XXXX did a hard inquiry on my credit in error. In XXXX, XXXXXXXX XXXX XXXX sent me a letter that they were informing TransUnion it was an error and requesting it be removed. As of this complaint, the inquiry is not removed. I have attached letter from XXXXXXXX XXXX XXXX. I've contacted TransUnion several times and they are not helpful.
Consumer complaint received 2021-04-13
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. (CA)

I recently pulled my credit report i have two accounts that are old and keep reappearing on my credit report. They are old and have surpassed their removal date by over 6 years. this is illegal and its effecting me greatly. These accounts need removed listed below XXXX- SHOULD HAVE BEEN REMOVED XX/XX/XXXX XXXX- CLOSED IN XXXX YET ITS STILL REPORTING
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (NY)

The GM financial account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XX/XX/XXXX but charge off/DOFD date as XX/XX/XXXX. 
This should have been noticed if there was really an investigation into my complaints.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as Transunion, XXXX  and XXXX.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC (CO)

The first problem has been ongoing for about a year Mercury credit card simply kept losing my payments. 
The real complaint is that Mercury is now using Extortion to force everyone to ONLY get a online statement and if I don't agree via their email they will immediately cancel my account. Keep in mind that I've ALWAYS paid my bill in full and on time yet they are allowed to threaten me, have my XXXX XXXX lowered all because they refuse to spend any money on processing payments made via the mail. This is plain wrong and by threatening us they make it pure extortion.
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bell Global Solutions LLC (IA)

XXXX called from Bell Global solutions and said I had a XXXX? XXXX ... When I asked her for proof of debt and my signature on the form she said they couldn't get that... she was then very rude and condescending ... .she didn't verify my information before discussing anything!! Called back after I told her not to!
Consumer complaint received 2019-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SUNTRUST BANKS, INC. (NC)

I have a car loan being serviced by SunTrust Bank. I want to be able to see how my payments are being applied to interest and principal. I can log into my account, but the information provided online by SunTrust does not include a breakdown of how my payments are being applied, so I have no way to assess whether they are being applied properly. I have contacted SunTrust by telephone and by online messaging, and they informed me that I can go through a cumbersome process to have the information sent to me by snail mail. I don't want to have to go through this every time I make a payment! This information should be readily available to me! ( I've attached a transcript of my most recent attempt to communicate with SunTrust -- a difficult and fruitless process. )
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (OH)

On XX/XX/2019 XX/XX/2019, XX/XX/2019 I have contacted Citibank and advised them that I have been a victim of identity theft. They choose not to look into this matter and wanted payment. Also they wanted to setup payment arrangements. I have even sent the collection agency notice advising them that I am a victim of identity theft. I am requesting this negative information to be remove from my credit report because it is hindering me from buying things such as a house. This is not my debt it belongs to someone who used my information to obtain it. This has been going on for 9 months
Consumer complaint received 2019-09-06
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. (KY)

I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation. 

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report. 

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion. 

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??
Consumer complaint received 2019-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello there, I was sent an email by Capital One to bring XXXX to my saving account and maintain the money till XX/XX/XXXX to earn a bonus of {$450.00}. I deposited XXXX into my account and maintained the money for the specified period but Bonus was not deposited into my account as of XX/XX/XXXX. I contacted their customer service multiple times and they have no clue when my bonus payment will be made except for telling me to wait 60 days. I have attached copy of email sent by Capital One showing the promotion. 

Thanks, XXXX XXXX
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Equifax ref : XXXX XXXX XXXX you are the only one showing this account on my report there was a fraud alert posted filed with all gov doc s this account is under protest and has been FCRA section 623 and FDCPA 806 { b } state that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit file in which I have disputed with you for over 6 months. according to the Fair Credit reporting act section 609 { 8 } { 1 } { A }, you are required by federal Law to verify- through the physical Verification of the original signed consumer contract any and all accounts you post on a credit report .otherwise, anyone paying for your reporting service could Fax -email in a fraudulent account.I demand to see Verifiable proof { an original consumer contract with my signature on it } the other reporting companies could not produce this and removed it } .your failure positively very this account has hurt my ability to obtain credit .under the FCRA, Unverified accounts must be removed as the other credit companies have. you have on file all documentation government and police reports to handle this matter and remove this account, account does not state in dispute