davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

I opened a TD Bank Credit Card account in2018 to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my TD Bank account. The payment was posted. 
Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. 
Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? 
Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. 
I didn't realize the payments had not been made until my account was overdue, and TD took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. 
I have repeatedly asked TD for an explanation, but after two letters and an E-Mail contact, I have not received one! They seem to be ignoring me.

My position is that TD Bank made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! 
As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. 
Their refusal to provide any explanation or to make it right is unacceptable!
Consumer complaint received 2019-04-09
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)

I receive a Experian, XXXX and XXXX credit report on XXXX XXXX and Derogatory Remarks of 30-59-60-90 days late and deliquency of XXXX XXXX XXXX auto loan # XXXX And unauthorized Hard Inquiries hasn't been removed permanently from Experian, XXXX and XXXX.. 
I have only four tradeline accounts of XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX that are active with Experian, but accounts mentioned are not been displayed on XXXX and XXXX. 
Why Experian, XXXX and XXXX not displaying Current on XXXX account as all accounts are Current.

A Legal letter has been implemented for XXXX, Experian, XXXX  and XXXX  to remove the derogatory remarks and all unauthorized hard inquiries on my credit report.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One Credit Card where I make a XXXX dollar minimum payment. I previously went through a Financial Hardship and had been late on making a few payment In 2015. I contacted Capital one myself directly and entered into a payment plan to uphold my responsibility and said agreement that they proposed. After said agreement was completed and I was back on track as I even brought myself current earlier than the plan allowed for I came to find out a while later that I was reported as never have being made a payment and Late for a period of 6 months or greater when I was making payments during said time under their provisions. As a result my interest rate has been increased ever since the event and I have tried to obtain another card to take advantage of a lower credit card rate or offer as well as save interest and get out of said debt but the information being currently reported is hurting me from obtaining another Card with better terms.I want to make it clear that I have had stellar payment history prior to the Financial Hardship as well as thereafter. I have been carrying out my obligations effectively.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BAM Management US Holdings Inc. (CA)

I have been a long time user of binance.us for years with no hitch. Just recently I have been depositing at a heavier volume. Since the beginning of the year I have done 3 {$1000.00} deposits that were fine. Then on the fourth ( same bank account XXXX all of a sudden i get a supposed " chargeback '' After a few days of investigation I come to find out that there was no chargeback on my bank 's side and binance in fact has collected the money. Even through this process i followed the direction in the q & a section and made another deposit via debit card to make up for what i thought was a charge back. It has now been almost three weeks, I can't withdraw, I can't trade, I can't sell but I sure can deposit. I'm trying my best here to think the most of this platform but they are making it very difficult.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : I have wrote several of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : CREDIT MANAGEMENT LP XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and  drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-04-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I submitted my first complaint with equifax on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint and has added 2 duplicated copies of the same fraudulent account to my credit report dropping my score even further. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! Now i'm being forced to cancel my 1 previous dispute because Equifax has added 2 extra collection accounts that are exact duplicates of the one account that I am disputed, and its has furthermore, hurt my credit score! Please help me
Consumer complaint received 2019-10-01
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. (CA)

On XX/XX/2019 i became aware of some fraudulent accounts reporting on my credit report. i did not ever consent to any of these accounts ever being open nor have i ever filed for bankruptcy in my life.
Consumer complaint received 2019-10-01
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (OH)

Notice for Proof of Claim Account : NCB MANAGEMENT SERVICES # XXXX ToWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign abilitybecause it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts ( 3 ) The assignment was manifested by a written agreement separate from and inaddition to any document intended for the purpose of listing the account, bill, or other evidences of indebtedness with the collection agency. The written agreement shall state theeffective date of the assignment and the consideration paid or given, if any, for theassignment and shall expressly authorize the collection agency to refer the assignedaccount, bill, or other evidence of indebtedness to an attorney admitted to the practice oflaw in this state for the commencement of litigation. The written agreement also shalldisclose that the collection agency may consolidate, for purposes of filing an action, theassigned account, bill, or other evidence of indebtedness with those of other creditorsagainst an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you areobligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 XXXX g ), you have 30 days to supply these proofs, if moretime is needed please contact me by certified mail and I will extend you 15 extra days. I alsorequest to see a certified copy of any contract or agreement between you and the originalcreditor that gave you the right to collect this debt.
Consumer complaint received 2023-04-07
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. (OH)

Fraudulent inquries appearing on credit report appearing on credit report. 1. XXXX XXXX  2. XXXX XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX
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: EQUIFAX, INC. (GA)

There is another item that popped up on my credit bureau that does not belong to me. I have not used my name or social on any accounts before. There should not be anything reporting on my credit report. I want to have this item removed. It is from a company called XXXX XXXX and original company XXXX XXXX. I found the info on my XXXX XXXX report last week.
Consumer complaint received 2021-04-01
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: ERC (CA)

There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (MS)

I am writing to formally dispute and request the removal of late payments from my credit report, which were inaccurately reported by XXXX XXXX and XXXX XXXX Credit Card. These late payments have adversely affected my credit score and financial standing. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that these entries violate my rights under the statute, specifically under 15 USC 1681 Section 602, which ensures my right to privacy.

Furthermore, under 15 USC 1681 Section 604 A, Section 2, it is explicitly stated that a Consumer Reporting Agency ( CRA ) can not furnish information regarding my account without my explicit written instructions. I have not provided such instructions to XXXX, XXXX, & XXXX, and therefore, the inclusion of these late payments in my credit report is a violation of this provision. 

Moreover, according to 15 USC 1666B, a creditor is prohibited from treating a payment on a credit card account under an open and consumer credit plan as late for any purpose. I assert that the late payments in question were made within the appropriate timeframe as stipulated by this statute and should not have been reported as such. 

I kindly request that you promptly investigate this matter and take the necessary steps to remove these inaccurate late payments from my credit report. I also request that you provide me with a written explanation of the actions taken to rectify this issue. 

Please consider this letter as a formal dispute under the FCRA, and I expect a timely response in accordance with the law. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/19, I visited a branch to get help with my account which was being charged for multiple insurances fraudulently through insurance brokers. I worked with XXXX XXXX, who opened another checking account for me and moved my money from the compromised account. At the same branch visit ( XXXX 5/3 branch at XXXX XXXX XXXX XXXX, XXXX OH XXXX ), XXXX was supposed to be assisting me with adding my daughter as power of attorney for all of my accounts. We submitted the notarized documents and were assured that the info was added. However, almost a month later, my daughter is still not added and is unable to help me with my accounts without me there or on the phone. I am a XXXX year old retired XXXX XXXX veteran who is not at all tech savvy. I have been asking my daughter to help me because my account was repeatedly being overdrawn by these insurance companies who I couldn't reach to cancel my accounts because I don't have any of the policy info. Instead, we have been told that there is no fax number to submit the documents, but that I have to go in to the branch. I went to the branch twice today and was convinced to sign up for a loan rather than what I need help with. It has been brought to my attention that this is elder abuse. My daughter can not take off of work to go in to the branch with me everytime in order for my requests to be met. Also, it appears that even when she does, that this bank would rather continually tell me how they can't help me than actually even attempt to help me other than getting me to sign up for new products, which I'm sure is more in the bank 's interest than mine. I just want to be able to pay my bills and not be taken advantage of. Yes, I understand that we can go in to the branch or mail in the documents, but the situation has already not been rectified in almost a month. As a 2x XXXX XXXX survivor, what I really want to do is live out the rest of my life without this type of stress. I've been with this bank for several decades and I can now say that I would never ever recommend this bank to anyone. The person I spoke with this evening ( XXXX ), told me that he can not give his last name for privacy purposes and can only give his supervisor 's last name ( XXXX ) ... that is very interesting, considering that the branch employees give their full names. It sounds a fishy as the banking practices 5/3 uses and it also sounds like a convenient way for there to be no accountability. I'm trying to help myself, but obviously, I'm not important enough to receive help from a bank who has MY money.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

I reached out to the company while experiencing struggles following leaving a XXXX  XXXX incident. They refused to negotiate the late fees to an affordable amount. I tried to work out a payment arrangement to make a one time payment and settle the debt and they refused
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears XXXX XXXX XXXX has erroneously marked my account as 60 days past due, despite it being current. XXXX XXXX XXXX policy does not include grace periods for payment, and any payment after the due date by XXXX incurs a late fee. Additionally, although they offer payment protection for job loss, they have not applied it to my account.
Consumer complaint received 2019-10-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

I filed bankruptcy on XX/XX/2018. I also filed a reaffirmation agreement for the car loan. That was all received by Citizens. The have written off the entire amount of the loan. It no longer shows on my credit report. I have tried to make payments but there is no account to make payments to. They are claiming I still owe {$3900.00} but I have no way to pay. No address no account no nothing. This has been going on for almost a year now.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion stated falsely that " We have reviewed your complaint along with the information you provided regarding this issue. Currently, the XXXX XXXX XXXX XXXX XXXX  XXXX account reflects a current balance of {$4300.00}. In response to this complaint, we contacted XXXX XXXX XXXX XXXX at XXXX, and verified the balance as {$4300.00} per the automated system. 

Please note that i am disputing the reporting of the above identified account on your TransUnion credit report, and i specify the exact reason i am disputing the account. The account was never late or the balance is incorrect. The amount TransUnion claims to be owed is false. How did you contact the company? An automated machine can not not tell you facts about the account. I tendered a payment for the full amount on XX/XX/2019. XXXX XXXX called me on Monday XX/XX/2019 at approximately XXXX XXXX  i spoke to agent XXXX she explained to me that the call was a mistake and that they had received the payment in full for the amount of {$4300.00} and allow it to post within the next 48 hours. She also placed me on hold for 8 eight minutes and got a supervisor and manager to confirm the payment was received and they confirmed it was received.
Consumer complaint received 2019-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AL)

I have attempted to acquire my payment history for private school loans I received between XXXX and XXXX from an entity listed on my credit report as SLM XXXX XXXX XXXX XXXX TR. I made payments on the loans between XXXX and XXXX. At some point, the account was transferred from Sallie Mae to Navient. I have requested my account information from both entities for this time period and they each keep directing me to the other organization. Sallie Mae states that they no longer have record of any account information after it was sold to Navient. Navient states that they have no account information before they purchased the account. Navient has since sent information to the IRS information stating that they have forgiven part of my debt without regard for the substantial amount of repayments I have made because they claim to have no records.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (IL)

I attached a screenshot of 2 disputes from XXXX charge off from 5 years ago that's not mine and a credit card that's not mine .. 
If notice the screenshot shows there investigation is still on going ... 

The last four of my ssn XXXX