davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

My bank XXXX XXXX XXXX XXXX merged and became the Pentagon Federal Credit Union, where account numbers, routing numbers and other information were changed from XXXX to the Pentagon system. There were problems and errors by these entities during this merge. 

Once Pentagon FCU allowed website online access, I had to call in at least 3 times to correct problems from checks and deposits. I have had direct deposits of my XXXX State pension and Social Security XXXX since XXXX into Pentagon FCU. 

I recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a security check, that my SS # did not match the one on file at Pentagon FCU. The XXXX  did confirm my identity thru other methods. I was told to scan my documents and upload them to have the change made. I have done this more than once over the last two days with resulting incompetence at Pentagon FCU in resolving this matter. 

Secondly, my call was to receive a 'detailed report ' of the 'monthly withdrawal transactions ' from my XXXX XXXX checking account involving my XXXX, XXXX, and current XXXX external payments to my 'mortgage company at XXXX XXXX '. The limited and archaic website at Pentagon FCU does not allow a ''search '' of certain transactions for specified dates, and to print this out. 

These complaint are about Customer Service and Responsibility which is lacking here.
Consumer complaint received 2023-10-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (VA)

Certegy Payment Solutions denied 13 out of 23 checks Intried cashing for no reason at all because there is nothing in my personal file yet thier customer service representatives are rude and liars. They keep saying it can be my file and they sent me my file and there's nothing bad in it. They also told me my check was not good when all checks I tried cashing with then or cashed with them were always good. The store says call the number but they just get rude with you and say can't cash it st any store have to take it to bank iynis writing off of. I live in remote area where we don't have XXXX  XXXX XXXX etc and for no reason at all Certegy denies most of the checks I cashed in last 24 months even though every check I cashed was good.
Consumer complaint received 2022-03-01
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. (GA)

EQUIFAX TO Whom this may concern, Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER. 

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EQUIFAX any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose.

EQUIFAX did not RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a ( 4 ). EQUIFAX sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

Under 15 USC 1681c- Requirements relating to information contained in consumer reports.

EQUIFAX included a MEDICAL BILL on my consumer report which is a violation of 15 USC 1681c ( a ) ( 6 ) AND ALSO PRESENTS A HIPAA VIOLATION I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED. I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EQUIFAX TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1.XXXX  XXXX XXXX XXXX XXXX XXXX - ACCOUNT # # # # XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX {$180.00} 4. ANY OTHER XXXX PARTY COLLECTIONS I would like to state that pertaining to 15 USC 1681 ( a ) that the banking system id depended upon fair an accurate consumer report. BY EQUIFAX VIOLATING LAW, it has cause me to lose confidence in the banking system. 

IF EQUIFAX WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY XXXX XXXX XXXX.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Is with capital one., I only have 1 card & some one I don't know., because is not me take mother card with my credit, account and my information., I only have 1 capital one credit card., no 2., cards in the experience appears 2 card with capital one credit card., went I have only one capital one credit card.
Consumer complaint received 2018-05-07
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. (CT)

I called Transunion and they was not able to help me and kept giving me the run around. All I wanted to do was take off all the hard inquiries that I saw on my credit report that I have no knowledge of due to identity theft which is hurting my score everyday
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (TX)

On XXXX XXXX I sent a certified letter to Bull City Financial solutions for debt validation. the letter arrive to the company on XXXX XXXX. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete.
Consumer complaint received 2020-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

XX/XX/XXXX The Consumer Financial Protection Bureau With reference to my previous complaint # XXXX & XXXX it is stated that Fay Servicing did not do what they said in their response dated XX/XX/XXXX if you wish to pay your taxes and insurance without escrow please contact your account manager Instead of doing what they said. XX/XX/XXXX they send me a default letter through their attorney ( Copy enclosed A : ) I contacted the account manager through e-mail and phone ( copy enclosed B ) and request her to do what they said in their response, Instead of correcting it she starts harassing me and keeps demanding the extra escrow. Whereas I already paid my Insurance and tax for the year XXXX. 

Two weeks ago someone from Fay Servicing by the name of XXXX XXXX called me and said he had already mailed me the escrow money back, which was a lie too. I dont know how can they not only fool me they are also fooling the CFPB. 

At this point I am current with them as for as principal and interest payment. Fay Servicing is not Appling my payments to my account they are keep them into a suspense account and showing me in default ( copy enclose C ) I am feeling very unsecure with Fay Servicing, therefore on XX/XX/XXXX I requested them to fix my account and provide me the payoff balance so I can finish my business with them ( copy enclosed D ) and so far they havent provide me that either. 


Please ask them to fix my account and send me the correct payoff balance Sincerely, XXXX XXXX
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2021-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-22
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ), # XXXX XXXX XXXX, # XXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights.

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
Consumer complaint received 2022-03-02
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: Experian Information Solutions Inc. (MO)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-03-02
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. (MO)

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armstrong and Associates, Inc (MS)

Received a telephone call from XXXX with Armstrong & Associates on my cell phone. XXXX demanded and kept demanding immediate full payment for an outstanding {$3300.00} debt. At first she didnt want to tell me anything about the alleged debt or her companys address. Then XXXX claimed that the bill was for inpatient hospitalization at University of XXXX  XXXX XXXX in 2019. I was never admitted to any hospital in 2019. I have not received a bill from XXXX for {$3300.00} for having been admitted as an inpatient in 2019. I have several doctors at XXXX that I see regularly, surely someone at XXXX would have brought such a large outstanding balance to my attention prior to this call. Or, surely it would have showed up on my credit report. I have had Mississippi XXXX with XXXX dollar copayments for approximately 5 years. Unless its an emergency, I absolutely do not 1 ) see a doctor, 2 ) have medical test or procedures, 3 ) be admitted to a hospital, nor 4 ) fill a prescription unless  Mississippi XXXX approves it first.
Consumer complaint received 2021-06-10
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: DISCOVER BANK (CA)

I opened a dispute with Discover for the amount of {$2100.00} for an XXXX XXXX purchase that was never refunded.I ordered two bags and decided to return them both I called XXXX initiated the return process they sent me two return labels I packaged both items in each label and returned both same day the label was given which was XX/XX/2021 and was given proof of drop of by XXXX Both items were successfully delivered on XX/XX/2021 and XXXX only refunded one item on XX/XX/2021 when they were both dropped off the same day and delivered the same day so I called XXXX and they said they didnt receive one of my returns so I filed a chargeback with discover after trying several times to obtain a refund from XXXX. I have sent over proof to discover and yet they still dont do anything about it and favor on XXXX side stating how are they so sure those labels belong to XXXX and if they if they accepted my return, when those labels were given by XXXX and shows both tracking numbers being delivered I sent them all the proof they can possibly need which includes a proof of drop off receipt given by XXXX, proof of labels being given by XXXX via email, proof of delivery to XXXX warehouse that shows the address date time that also included signature by an XXXX employee accepting they received the package all the dates and times are on the proof and screens shots of conversations Ive had with XXXX, I have tried speaking to a manager at discover and theyre never available I have delivered my items and Discover still doesnt favor in my side after presenting strong evidence of me successfully dropping off packages and packages being delivered
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/2019 - Opened XXXX XXXX  line of credit ( serviced by TD Bank ) as part of a promotional bundle. Purchased phone and accessories for the total amount of {$890.00} which was financed on this account ( XXXX ) Early XX/XX/2019 - Received first billing statement XX/XX/2019 - Paid account in full & requested account be closed. 
XX/XX/2019 - Received letter from TD customer service confirming that account was closed and that the current balance was {$0.00}. 

Received subsequent statements showing an outstanding balance with due date. 

Unsuccessfully attempted to resolve this matter with TD Bank customer service. 

TD bank has reported a potentially negative status which is impacting my credit history report and credit score.

How can I go about in resolving this matter? 

Regard, XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (NY)

to whom it may concern i have some very damaging incorrectly reported information by us department of education on my credit report that has kept my score and credit worthiness down for years kept me for certain jobs and living options due to this wrong information i have tried to fix this with all credit bureaus equifax on XX/XX/22 XX/XX/22 they are reporting a account status : past due XXXX  days late on closed account they reporteding a late payment of XXXX without reporting XXXX nothing has been done to fix this problem which are violation for they are not compliant with FCRA
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MA)

By way of background, I opened this account when I purchased a new XXXX XXXX XXXX  at XXXX XXXX and XXXX offered interest-free financing. I did not receive any statements by either snail mail or email until XX/XX/XXXX, when I received a statement saying that I owed three late fees. 

Turns out that this financing is from TD Bank. I spoke with their representative by phone in order to address and fix this situation. I said that I wanted to pay off the entire principal balance, because this financing was more trouble than it was worth. I said also I was willing to pay one late fee but that the other two late fees had to be removed. On XX/XX/XXXX, I paid a total of {$1400.00} for principal and one late fee. 

During the initial call, the TD representative said she could only remove one late fee, and that a supervisor was required for the second. After placing me on hold for an extended period of time, she came back and said that she had not be able to locate a supervisor, but that a supervisor would contact me again if it were not possible to remove the second late fee. My paying the principal balance in full, plus my paying one late fee and they removing one would leave {$29.00} balance pending resolution ( i.e. approval from the supervisor ). 

I heard nothing back until a XX/XX/XXXX letter claiming that I now owed {$110.00}. In other words, they were now charging late fees on the late fee they claimed was outstanding. 

I has spoken with their representatives at least four times since then. They say that they can not resolve anything. I wrote to them disputing the charges and they have rejected my dispute, simply saying that the credit agreement allows for this. 

They have made disparaging remarks to the credit bureaus and they call several times each week. The people who call do not know anything of the history or discussions I have had with TD Bank to date. 

This is the worst finance company I have ever come across. Hard to imagine that XXXX uses these people or that a company like this can even exist in today 's world.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (GA)

EXPERIAN TO Whom this may concern Under 15 USC 1681b- Permissible purpose of the consumer reports 15 USC 1681b- ( a ) In general ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER FOLLOWING CIRCUMSTANCES AN NO OTHER.

( 2 ). In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I XXXX XXXX XXXX the CONSUMER never gave EXPERIAN any WRITTEN consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

UNDER 15 USC 1681-Congressional finding an statement of purpose. 

EXPERIAN didn't RESPECTS my CONSUMER rights to privacy, which is a violation of 15 USC 1681-a4 EXPERIAN sells an share CONSUMER info WITHOUT the CONSUMERS consent. 

I the consumer have notice that there are accounts illegally furnished on my consumer report. I DEMAND that you remove these inaccuracies ( listed below ). IF THEY ARE NOT REMOVED I the consumer will not EXTENT MY CREDIT TO ANYONE OR ALLOW EXPERIAN TO FURNISH A REPORT FOR ME. 

REMOVE THESE ACCOUNTS. 

1. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX I would like to state that pertaining to 15 USC 1681- ( a ) that the banking system id depended upon fair an accurate consumer report. BY EXPERIAN VIOLATING LAW, it has cause me to lose confidence in the banking system. ALSO, UNDER 15 USC 1681- ( a ) ( b ) EXPERIAN had invalid inaccurate info on my CONSUMER REPORT such as, WRONG SSN I HAD TWO SSN ON MY REPORT, WRONG ADDRESS, ALSO WRONG EMPLOYER. IF EXPERIAN WAS DOING ITS LAWFUL DUTIES IT WOULD HAVE CAUGHT THESE JUST LIKE I THE CONSUMER DID. 

IF EXPERIAN WANTS TO CONTINUE DOING BUSINESS ME, PLEASE DELETE THESE INACCURATE ACCOUNTS FROM CONSUMER REPORT. 



SINCERELY XXXX XXXX XXXX.