davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-28
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. (AL)

On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (VA)

On Sunday, XX/XX/XXXX I was attempting to freeze my credit reports. I was successfully able to freeze my other two credit reports - but I had problems with Experian. 

Experian was not able to accept my credit freeze request and the ONLY course of action was for me to send them a letter by mail with all of my personally identifying information. 

In an effort to protect my information, I now have to send almost all the information that would be required for stealing my identity through the mail - for NO reason that was explained to me. 

I'm not sure how it is possible in 2019 that this is the ONLY way of communicating with a credit agency.
Consumer complaint received 2019-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I filed a dispute with BBVA Compass Bank this month for an unauthorizeda transaction in the amount of {$350.00} to a XXXX store. The bank then froze my account and informed me they were cancelling my account. BBVA then told me to go to a local branch to withdraw my money, which I did, but was informed that I could not access my funds. I called back & was told that there was no reason for this & when pressed further for more information I was told that because they cancelled my account they would not be able to honor my dispute. I told them that they were cancelling my account after the fact so my disput was a legitimate claim. They had deposited the funds into my account but was then told they were taking it back and I Woukd have to wait 7-10 business days bc they were mailing me a check. Also, my direct deposit went into this account ( I couldnt change it in time ) but was told that I had to wait to receive my money. I have a balance of {$240.00} & my direct deposit was {$1700.00}, but they will not allow me to withdraw my funds. I am moving & need my funds but they said sorry. The dispute claim was denied but said I Woukd get a letter in the mail. I did receive said letter stating that they had put the money back into my account. I need these funds immediately. BBVA is unwilling to allow me to access these funds and I need help ASAP pleaae
Consumer complaint received 2019-04-28
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. (AL)

On XXXX XX/XX/2019 XXXX XXXX filed for Chapter XXXX Bankruptcy in Arizona ( Case No XXXX ). XXXX XXXX XXXX received a Chapter XXXX bankruptcy discharge on XXXX XX/XX/2019. As you are aware the discharge prohibits any attempt to collect from the debtor a debt that has been discharged. In a case involving community property : There are also special rules that protect certain community property owned by the debtor 's spouse, even if that spouse did not file a bankruptcy case. At the time of filing XXXX XXXX XXXX, was married to XXXX XXXX XXXX. The bankruptcy case for XXXX XXXX XXXX listed all community assets as part of the bankruptcy estate. In this case the discharge operated as a community discharge where community claims were discharged for the non-filing spouse. Under Section 524 of the Bankruptcy Code, creditors of the debtor and the non-filing spouse who have a community claim on the date of the filing of the bankruptcy case are barred from asserting a claim against after acquired community property. The resulting Chapter XXXX discharge operated as a community discharge of the community debts. Please be aware that an attempt to collect a discharged debt from the community property from the non-filing spouse violates the discharge and you may be required to pay damages and attorney 's fees to the debtor.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

Dear CFPB, I had deposited two checks at my TD Bank in XXXX, VA on XX/XX/2020. Today I learned that TD has blocked my account. The checks were from my XXXX accounts, which have already been cleared by XXXX Bank. 
I do not understand why my account has been blocked. I have been TD bank member for almost 20 years. 
I was told by customer service that I have to go to the bank in-person to unblock my account. Due to COVID-19 this is a very inconvenient process. 
Could TD just reject the checks if they do not want to accept the deposits ( for whatever reason ) and unblock my account? 
Due to COVID I do not want to go to the bank in-person. 
I will greatly appreciate if CFPB can help to resolve this issue.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MI)

I received a form letter from XXXX XXXX XXXX  that my application for a XXXX XXXX credit card was not approved because ... the credit-reporting agency has indicated the applicant is deceased. ... 

When I was young, I would have found this humorous. Now in the twilight of my life, I find it predatory. 

I can supply a snapshot of the form letter if you so desire. 

XXXX XXXX is listed as the credit report provider. In trying to reach out to them, I see by their website, that before I can get this fixed, I would need to give them personal information that I would refuse to give them. I will not give out my SS number or birth date to any I dont trust. Someone, even mistakenly, who finds me dead, is not trustworthy. 

There are a number of items I would expect from a successful outcome of my death perpetrated by either XXXX or XXXX. I will give you those requests in a longer document if you ask. As an example, I would like a physical address of the US business so I could go to their office and prove my existence. A P.O. Box in CA from an LLC registered in DE gives me little confidence in their existence. Because XXXX  is similarly just a P.O., I will continue to champion the use of local Credit Unions versus big national/international financial institutions. 

I appreciate any help you can give. 

XXXX
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This complaint is in reference to ID # XXXX-XXXX concerning Capital One card services. Capital One is still giving me the run around in activating my credit card even though I am a current customer! I have been with Capital One for almost a year and my payments to them have always been on time. Someone named XXXX called me on XX/XX/XXXX at XXXX in the XXXX and he said that he would activate my card if I sent in the following documentation that I have ALREADY SENT to Capital One. I faxed them my state ID and my electric bill. When I called them XX/XX/XXXX to verify the service rep said that they did not have any of documents and that it would take two months to activate my card that I was approved for. Capital One are scam artists who are lying about their products. Why will it take two months to activate my second card when the first card was activated the same day? Capital One is disrespectful and dishonest and they have the worst customer service reps of any company that I have dealt with. PLEASE HELP ME!!
Consumer complaint received 2023-09-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tate and Kirlin Assoc (NV)

CFPB, RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to the Consumer Financial Protection Bureau in response to complaint # XXXX XXXX Tate & Kirlin Associates , Inc state : Thank you for the opportunity to respond to complaint number XXXX of XXXX XXXX. Tate and Kirlin Associates inc. did not threaten legal action against XXXX XXXX and does not report to the credit bureaus. Admitting no wrong doing, Tate and Kirlin Associates , Inc has closed this account and returned it to our client. XXXX XXXX will not be hearing from Tate and Kirlin again regarding this account. -Tate and Kirlin Associates , Inc . 

Such typos and inconsistencies alone are indicative of the business practices of Take & /and Kirlin and Associates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ). 

XX/XX/XXXX XXXX and XX/XX/, Pages 2 of letters sent via USPS from Tate & Kirlin Associates , Inc state : The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. If you do not pay the debt, XXXX XXXX XXXX may report or continue to report it to the credit reporting agencies as unpaid.

Despite Admitting no wrong doing, Tate & Kirlin Associates , Inc state : Tate and Kirlin Associates inc. did not threaten legal action... and does not report to the credit bureaus. 
yet XXXX XXXX XXXX may report or continue to report it to the credit reporting agencies as unpaid. 

As such, apparently, Tate & Kirlin Associates , Inc choose to ignore Page 2 of their own letters.

Premeditated and/or actual slander, libel, and defamation of character are legal actions intended to damage credit worthiness and economic standing whether or not a court of law is involved. 

Unlike the CFPB, XXXX XXXX does not recognize nor distinguish differences between multiple companies represented on the same letterhead issuing suggestions of legal actions such as reports to credit reporting agencies/bureaus sent through the United States Postal Service XXXX 

Also unlike the CFPB, XXXX XXXX does not condone, support, or dismiss perjury to Federal institutions ( 18 U.S.C. 1001 ) such as the CFPB, despite the assumptions, actions, and crumbling integrity of businesses in the United States of America.

Get these perjurous panhandling frauds out of the Peoples inboxes. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (SC)

I have the XXXX Amex card. It states that if you spend more than {$40000.00} per year you will be granted Diamond status with XXXX. I have my year end summary for 2018 and spent over {$40000.00} utilizing the Amex. I am happy to show my year end summary from their website. Nonetheless, they refuse to grant me Diamond status. This is clearly fraud on the part of American Express. I think the public needs to know about these deceptive and fraudulent business practices by American Express.
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (TN)

Back in XX/XX/XXXX, I started to pay for a XXXX trip with XXXX. I finished paying for it in XXXX. Unfortunately in XXXX XXXX stopped operations and cancelled all trips without refunds. They told people to contact their banks for refund. XX/XX/XXXX I contacted my bank XXXX and was told it wouldnt be a problem to do the dispute at first and later was transferred to someone else and told it can not be done. I cant contact the merchant at all. I have trusted XXXX to help me but they refused numerous times. I dont believe they have done all they could for me because i know if it was them or a family member who lost their money with a company they would fight to get it back. I still dont understand why im not protected from this transaction when i cant reach the merchant and have lost {$1000.00} when I have no product or services. I feel like that transaction was FRAUD. I have seen numerous people get their money back from XXXX due to XXXX.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX went threw a down fall and lost my job so I couldnt pay my cards so when I filed taxes this year I decided to pay down XXXX debt I had in credit cards I know I missed two payments on each card cause I couldnt pay I didnt have a job at the moment so I paid most of them off and they jus closed my account they told me if I paid they would be back on and it was like they made me pay capital one cards secured card and credit card they closed them immediately After recount my payments which I find very unfair if I paid them almost in full why would they close my accounts so fast can you answer my question!!
Consumer complaint received 2019-04-28
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. (FL)

To whom this may concern : This complaint is due to the unauthorized inquires on my Experian report and a XXXX account that is still showing when it has already been removed from my XXXX   account. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Experian report as soon as possible along with the XXXX XXXX account ( proof of deletion attached ). Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Experian be able to properly verify something that they no longer own. The last account that was not properly verified was a collection account under the name XXXX XXXX that keeps getting listed as 'Verified as Accurate '' but never providing physical proof of this debt.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-27
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-27
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. (NY)

Approximately over a month ago, I applied for an XXXX XXXX  XXXX  through XXXX XXXX XXXX XXXX, which represents the said bank. During this process, XXXX XXXX XXXX XXXX obtained a copy of my credit history from TransUnion. However, I have noticed that TransUnion has provided additional information to XXXX XXXX XXXX XXXX, which I have not authorized or consented to be disclosed to any bank. This unauthorized and unverified information is damaging my credit applications and negatively affecting my financial history. 

I have had conversations with several TransUnion representatives and supervisors on multiple occasions, and they assured me that they do not share third-party information with credit report requestors. They also informed me that they only provide information about my accounts, debts, or closed accounts. However, after reviewing my updated credit report, I was able to verify that unauthorized information from third parties has indeed been shared with XXXX XXXX XXXX XXXX. 

This deeply concerns me as I believe that these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and infringe upon my rights as a consumer. Therefore, I earnestly request that TransUnion does not share any unauthorized and unverified third-party information with any bank requesting my credit history unless explicitly approved by me. 

Attached to this letter, I am providing evidence that supports my claims and demonstrates how TransUnion has based its information on unauthorized third-party data, resulting in XXXX XXXX XXXX XXXX rejecting my credit application. I sincerely appreciate your attention to this matter and hope that immediate actions will be taken to rectify this situation. 

Please provide a written response to the address stated in the header of this letter or the email XXXX. Additionally, I kindly request that you inform me of any steps taken to resolve this dispute within a reasonable timeframe. 

Thank you for your prompt attention to this matter, and I trust that we will resolve this situation satisfactorily.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

Ive had a TD bank checking account nearly 5 years. In that 5 years I have ( voluntarily ) accumulated over {$7000.00} in overdraft fees. Its a problem. I know of my actions that caused this ridiculous cost. I am working hard to stop this viscous cycle but its a XXXX hard trap door to fall into. 
TD calibrates the amount that I can potentially overdraw on my checking at any given point. It is 100 % based on my weekly recurring payroll direct deposit. My issue would always start on a week that Id pay my rent and other XXXX of month bills. This often left me with little or nothing left to live ( eat ) on for the following XXXX days. Thus I would make it a point to hit an ATM and withdraw a {$300.00} draft that would ultimately cost {$330.00} by the next time I got paid. Then Id not use my debt card until my next deposit. This was common practice and very helpful ( though annoying. ) That {$300.00} draft would sometimes cost {$370.00} if I used the wrong ATM- I learned this the hardway. I also learned that despite my account being in the negative every possible auto or robo or one time charge and fee would abruptly start processing. Thus racketing additional {$35.00} fees for absolutely random charges. XXXX XXXX XXXX XXXX XXXX right at the last minute. Even charges that were declined would still cost me another {$35.00} fee. 
It became such a problem that every month now I was in the same cycle of trying to hault the overdraft service and still be able to come out above the negative when my weekly paycheck arrived. TDS system really seemed to have that same goal- which made sense. Though at some point it took me well beyond my incoming pay amount and after that week I knew I could never catch up. I had to jump ship and switch my direct deposit of to a new bank and one that only offers 1 times {$20.00} max overdrafts. XXXX XXXX with my full paycheck actually arriving instead of first filling the previous weeks accumulated fees- I have not dipped below {$0.00} once. Heres where I need outside help : do I continue to pay down that massive TD balance due or is there any way they could reverse some or any of the over {$1000.00} of individual {$35.00} fees. I can honestly say that the majority of them are indeed the result of only 1 or 2 original and consciously made overdrafts. There are recurring bill payments still being drafted from the account but I cant deactivate them because I myself can not access the account until my balance has been brought back above {$0.00}. 
I dont know what to do or where to call. Every representative from TD in person and on the phone recites the same unhelpful information. 
This overdraft service by TD bank is nothing more than a high interest payday load program when I stop and think about it. Pay day lending is illegal in XXXX XXXX XXXXXXXX. Why can banks get away with it? 

Please help.