davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank and its sidekick XXXX are once again giving us problems and harassment as well as a complete and total lack of good customer service. For example, they can not or will not tell us if a client check that previously bounced to their lack of funds, was ever credited when the check was re-deposited. It seems to have merely " disappeared '' and even though we have emailed no less than 5 TD Bank Reps, no one has either returned our inquiries or has an answer for us. Second, we responded to a {$300.00} credit card chargeback more than 2 weeks ago supplying all written/documentary proof that the charge was authorized, signed for, goods/services/product received, but these idiots still have not returned the money that they stole from our TD Bank Account. Please urgently investigate and advise.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TRANSUNION IS REPORTING THAT I HAVE A VERY FAIR INSURANCE SCORE STATUS WHEN MY CREDIT SCORE IS OVER XXXX WHICH SHOULD BE EXCELLENT I ATTEMPTED TO FIND OUT WHAT IS CAUSING THIS PROBLEM AND LISTENED TO HOLD MUSIC FOR AN HOUR AND WAS THEN DISCONNECTED THIS HAPPENED 3 TIMES ALTHOUGH THE TAPE SAID MY CALL WAS IMPORTANT I REALIZE THAT IT OBVIOUSLY WAS NOT. I AM IN THE XXXX  XXXX  AND THIS SCORE IS DETRIMENTAL TO MY PREMIUM IT SEEMS TO A SUBSTANTIAL AMOUNT. I UNDERSTAND THE NEED FOR UNDERWRITING BUT THE SYSTEM USED BY INSURANCE COMPANIES IS OUT OF CONTROL. ESPECIALLY WHEN ATTEMPTING TO GET A CORRECTION OR FIND OUT WHAT IS CAUSING THE PROBLEM IS ALMOST IMPOSSIBLE. IT IS AN ABUSE OF THE SYSTEM WHEN IT IS USED THIS WAY AND YOU CAN NOT DO ANYTHING TO CORRECT IT. PLEASE ADVISE ME AN APPROPRIATE WAY TH PROCEED. THANK YOU
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NM)

On XX/XX/XXXX, a Balance Transfer was initiated on my Citi ThankYou Preferred Credit Card account ending in XXXX. The total amount was {$2500.00}. I never completed a balance transfer and this is a fraudulent charge. 

I called Citi on XX/XX/XXXX and have been unable to receive a response back on this. They opened a new Citi ThankYou Preferred Credit Card ending in XXXX and this card has the exact same fraudulent bank transfer transaction on it. The online Citi application does not allow me to report this charge as fraudulent. 

The balance transfer is to an account ending in XXXX but I do not have an account that ends in these numbers. 

I have been given the number XXXX to call Citi. I have called on XX/XX/XXXX and XX/XX/XXXX and have been unable to talk to an associate about this fraudulent bank transfer.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-01-24
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. (TX)

My Transunion report says I have an account in collections from a company called XXXX XXXX XXXX XXXX for {$10000.00} opened on XX/XX/2019. This is not mine, I didn't open this account and want it removed from my report immediately.
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Direct Recovery Services, LLC (CA)

Direct Recovery Services has been asked to validate a debt, they continue to call my phone and email me and they have also contacted a company I work for.I spoke with XXXX XXXX # XXXX on XXXX XXXX I requested that they do not call or email or contact my place of employment.I also requested that they validate the debt I owe.I called and the caller hunk up in my face and I called back.They are horrible in the way of doing business, I have a right to ask questions, my identity had be stolen several years ago, so I am very careful and I have a right to check as a consumer.
Consumer complaint received 2022-01-24
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: EQUIFAX, INC. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (AZ)

I received a bill for {$4100.00} on a non-existent timeshare account on XX/XX/XXXX. I immediately sent it to my attorney. My attorney wrote to them asking for proof of debt. On XX/XX/XXXX, nearly a year later, they wrote back to my attorney, not with the requested information but showing a new balance of {$2800.00} and an offer to " settle '' for {$800.00} as a " gesture of good faith. '' I do not owe this debt and they are unable to prove I do owe anything. My attorney said that the fact they responded not with proof of debt but another " offer '' to settle is a violation of consumer protection law and subject to a {$1000.00} fine and inability to have them contact me again.
Consumer complaint received 2022-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

All 5 HARD INQUIRIES ARE FRAUD. THEY WERE PUT ON ACCOUNT WHEN IT WAS FROZEN AND WENT THROUGH ANYWAYS. 
1. XXXX XXXX 2.XXXX  XXXX 3.XXXX XXXX. 
4. XXXX XXXXXXXX XXXX 5.XXXX  All 5 hard inquiries are fraud and we're pushed through when file was frozen. 

They did not follow federal law with FCRA SECTION 609 AND 611. It is so sad they took company to XXXX we're they do nothing for your credit even if customer. They locked me out so I can't even look at account. It is shameful are credit is in place were they don't listen and don't follow American federal law. FRCA is nothing to them.
Consumer complaint received 2022-01-24
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. (TX)

I received a notice of a new inquiry on my credit report from XXXX. They referred me to Transunion to resolve it but my credit score has dropped as a result of this inquiry.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NJ)

Dear Sir or Madam, I uploaded a letter for your review. 
Please take a look at the letter. 

Before we went to vacation, me and my wife went into this place to get our covid tests done.

When we were there, they asked us to see our Medicare cards and told us that we won't pay for anything.

They added services to our visit and send us a bill to pay in the amount close to {$400.00}.

I called them many times and instead of responding they gave us to collection.

I called the collection company and filled out the form online as they told me to, I send the attached letter to the collection company and till today no one called me or responded to my letters or phone calls, they are saying that if I don't settle this by XX/XX/XXXX this will affect my credit report. 

I can afford to pay this amount not to ruin my credit but what would happen to someone who needs the money and can not afford to ruin their credit. 

Please look into this and try to stop these people from doing dishonest things like this. 

Regards,
Consumer complaint received 2022-01-24
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: U.S. BANCORP (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX US BANK XXXX XXXX US BANK XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Synovus Bank (TX)

On XX/XX/XXXX, First Progress Credit Card reported a NEW bankruptcy on my credit reports at all three bureaus. They claimed a balance of {$160.00} was still owed. 

The facts of the matter are these : I did file bankruptcy in XX/XX/XXXX in which the balance owed to First Progress was listed. The bankruptcy was discharged in XX/XX/XXXX ant the their debt was discharged also.

First Progress has no right under law to report a new bankruptcy as of XXXX XXXX where no such bankruptcy filing exists, and may not claim an outstanding balance when such debt was discharged in XX/XX/XXXX. 

In my opinion, this is a revenge filing and an attempt to collect on an uncollectible debt. All such reporting to credit bureaus should be immediately removed and the Company censured for this kind of illegal behavior.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX I returned my remittance transfer coupon paid in full on my 2 capital one credit cards and I even made my payments before the due date of XXXX XXXX to find out today XXXX XXXX that the company closed both my accounts without notice I have never been late on a payment capital one is in violation of US code 16930-1 and public law 106-229 I am requesting swift adverse action and my cards paid in full and reopened and reported on time as they always are and were. Best regards XXXX XX/XX/22
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XX/XX/XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Run Solutions, LLC (CA)

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Consumer complaint received 2022-01-24
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: EQUIFAX, INC. (CA)

I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person.

I have demanded a method of verification via certified mail w/ return receipt as of 1/18/2022. 2 out of 3 of agencies have received the document and another is in transit as of 1/24/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate information.
Consumer complaint received 2018-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Debt collection agents from Portfolio Recovery Associates, LLC are calling multiple times a day, using different numbers from around the country in an attempt to collect a debt from me.

When speaking to one agent, they refused to identify themselves as debt collectors and after several attempts to get them to reveal the nature of the call, the agent only stated the company they worked for and asked if I was or knew the person they were attempting to call.

Their harassing calls have come from countless different phone numbers from around the U.S. and none of which are listed as official business numbers on their website or in the correspondence they have sent me. 

Examples of such are : XX/XX/2018 call from ( XXXX ) XXXX XX/XX/2018 call from ( XXXX ) XXXX
Consumer complaint received 2022-01-24
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. (CA)

I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person. 

I have demanded a method of verification via certified mail w/ return receipt as of XX/XX/2022. 2 out of 3 of agencies have received the document and another is in transit as of XX/XX/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate information.
Consumer complaint received 2021-05-11
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)

The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

Mr Cooper purchased my mortgage from XXXX Every step of the way Mr Cooper has screwed up. 
I made a Principal only payment in XX/XX/2021. They still don't have it posted correctly. 

All of my other monthly payments were also screwed up multiple times. 

My XXXX is messed up. 

They added an escrow on my account for no reason. 
Then they said i missed my tax payments. 
That is also a lie. 

They don't return phone call. i am still waiting for a call back from XXXX weeks ago. 

They don't respond to email. 

The only way to get a hold of someone is post your experience on social media. 
They always promise XXXX hours. That never is a true estimate. Right now i'm working on a detail that is about XXXX weeks old. Most of the rest of my issues are 4 months plus old. 

We are TRAPPED with this terrible company unless i pay off my mortgage or refinance. Both are financially hard to do right now. 

As a customer, there is NOTHING i can do to make this ridiculous company do anything. 

Their social media page is full of issues
Consumer complaint received 2022-01-24
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. (SC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you