davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
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. (CA)

I am writing to express my dissatisfaction with the handling of my previous requests to remove fraudulent items from my credit report. Despite multiple attempts, these fraudulent entries persist, causing significant distress and potential harm to my financial reputation. 

I have diligently followed the procedures outlined by your agency to dispute inaccurate information. However, despite providing ample evidence of the fraudulent nature of these items, they continue to appear on my credit report. 

These inaccuracies have serious consequences for my financial well-being, affecting my ability to secure credit and impacting my overall creditworthiness. Furthermore, the persistence of these fraudulent entries reflects poorly on the credibility and reliability of your agency 's reporting processes. 

I urge you to take immediate action to rectify this matter by thoroughly investigating each disputed item and promptly removing any fraudulent entries from my credit report. I expect a timely response acknowledging the receipt of this complaint and outlining the steps that will be taken to address these issues. 

Please understand the urgency of this matter and the importance of restoring the accuracy and integrity of my credit report. Failure to resolve this issue satisfactorily will leave me with no choice but to seek legal recourse to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (PA)

Hi, Can you please help me ask TD Bank to close my checking account? I opened an checking account online with TD Bank. TD bank has never allowed me to really use it. So I asked TD Bank to close the account. TD bank refused and keeps charging me $ 25 monthly fee. 

Here is more detail : I opened an checking account online with TD bank in XX/XX/XXXX. I was then not allowed to use the account. TD bank asked me to go to a TD bank branch. I can't go as the nearest branch is like five hundred miles from me. So I asked TD bank to close the account. In XX/XX/XXXX, TD bank told me the account was in the process of being closed. However, when I checked it today ( XX/XX/XXXX ), the account is still there now and it keep charging me $ 25 monthly fee. I called TD bank again, TD bank now refused to close the account and said I have to go to a branch and pay the monthly fee for the account I have never been allowed to use. 

Thanks for you help!
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have 2 Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. XXXX  And TRANSUNION, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out that someone has had access to my personal information.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

I am a current Discover card holder and I became aware of an advertisement on their website for a rewards perk of 5 % cashback bonus. In the fine print it shows that it is for Discover it & discover more cardmembers. I have a Discover IT card currently and as I attempted to activate this advertised rewards bonus I was given and error message on the next webpage that stated " Oops. Something went wrong. We apologize for any inconvenience, but the rewards calendar is not working at this time. Please check again later. '' Which ok, technical issues do happen, so I gave it some time and checked back periodically every couple hours and encountered the same message each time. I thought maybe it was just an online issue with their website so I called into the customer service number from their website. I was told by customer service that i have something called a Discover IT XXXX account and was thereby not eligible for the rewards bonus that was being marketed. Discover IT being in the fine print of the XXXX XXXX XXXX 's and also in the name of my account I was very confused and taken aback by this comment. There is no statements regarding ineligibility of my or any other specific type of " IT '' account and in addition on the Discover brand website there is no type of credit card listed as Discover IT only thus indicating that any account featured as a Discover IT account would be eligible. Furthermore, had I not called in, the sham technical difficulties message that their website was spewing out at me was also false and misleading. This is a highly deceptive marketing ploy and I am honestly surprised about how incredibly inept the Discover marketing team has to be in order to let this get publicly marketed.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX I recieved a letter yesterday when I returned from my vacation, that said nothing? I feel I sent the wire, paid for the wire, and if there was a issue? They should have sent back? I was not aware that recepitent did not receive funds on time, and it has cost me a lot. I can upload the letter if you would like? Wells Fargo is a nightmare, and there apology is not making it. Do I have recourse by suing them?
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AL)

In XXXX I sent Citi Card a correspondence requesting opt out per 15 USC 6802 Citi Never responding and continues to violate my Federally Protected Consumer Rights.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 2018-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have completed three written requests for legal verification of an account with Capital One that has been charged off more than 8 years ago and all of my written requests for a response have gone ignored. They have not complied with my legal requests and my written attempts were sent in XX/XX/2018, XX/XX/2018 and lastly XX/XX/2018 to no avail.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them XXXX  times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

When my daughter moved to XXXX in XX/XX/XXXX, she closed her joint Citizens Bank XXXX   checking account with me and opened a checking account with another bank. 

Citizens Bank XXXX  erroneously kept her account open and over the next several months there were charges under {$10.00} to the account to which Citizens added an overdraft fee of {$20.00} each time. Only one of these were charges that I recognized or from a merchant that my daugher or I regularly patronize. I paid that charge and several others even though each time this happened resulted in a $ XXXX- {$30.00} transfer from her overdraft account to her checking account ( returning the checking balance to {$0.00} ) but then I would have to pay the $ XXXX-XXXX overdraft bill. 

Each time there was a charge we didn't recognize, Citizens 800 number agents would apologize and most promised to close her checking account for real so it would stop happening. This went on for months with me paying about {$110.00} for these charges until Citizens finally agreed to close the account and waive the last charge which was not one we recognized, but then Citizens sent me a collection letter to which I replied in detail and never heard more from Citizens.

As evidence that this matter was resolved and no money is due, I have a screenshot of my daughter 's Citizens Bank Massachusetts account ( on which I am a joint owner ) shows no overdraft balance and a checking balance of {$0.00}. 

Unfortunately, in the meantime Citizens Bank without my knowledge placed an eroneouos overdue account notice on my credit report which has never been removed. This is on my credit report so that ( as I found out this morning ) I am being rejected as a guarantor on my daughter 's pending apartment applications in NYC. 

I have tried calling Citizens Bank MA ( XXXX ) to fix this problem but gave up after 20   minutes on the phone, mostly on hold, without any progress. If Citizens doesn't fix its mistake in the next 72 hours, my daughter may not have a place to live on XX/XX/XXXX. Help!
Consumer complaint received 2022-04-11
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (VA)

On XX/XX/13, I went to XXXX western union to send money to XXXX XXXX. At the time, I was charged with massive {$58.00} transfer fee which I did not received any disclosure about. I've asked the employee at the time of the transfer how much is the fee, employee did not disclose the information but told me she does not know until I completed the transaction. Because my english proficiency is not good, I feel that the XXXX has taken advantage of me. I went to XXXX XXXX western union and performed the same international transfer and it only cost me XXXX some dollars. I went back to XXXX asking for refund on the fees charged and the employee told me that's how much they charge. Still, did not provide me with the service fee schedule where I can look before sending the money.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2019-01-15
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 — Investigation took more than 30 days
Company: State Collection Service, Inc. (IL)

I submitted a dispute to State Collection Service for 2 medical bills. State Collection Service first sent me a letter requesting all of my personal  information ( account number, name, address, phone number ), before I could respond to the letter, they ( State Collection Service ) sent me another letter with attachments of all medical procedures that were done at the facility. State Collection Service should not have access to the medical records or medical procedures, this is a violation of HIPAA and my rights.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (OH)

I am a XXXX XXXX  on BinanceUS and make several transactions on the platform. They have locked my account and will not allow me to withdraw money that has already been deposited in the amount of {$80000.00}. Recently, I received a request to provide more information from BinanceUS ' risk management team. The request was for information about employment, estimated net worth, W2 as well as a video showing a copy of my ID. After submitting this information, I was asked to submit a copy of my most recent tax return. I submitted this information and received a follow up request for my bank statements in the past 90 days. Needless to say, I am not applying for a mortgage, so I do not feel this information is important. As a result, I have not been able to withdraw my money and suffered substantial losses as a result.
Consumer complaint received 2021-05-15
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. (PA)

Credit reporting agency ( CRA ) is reporting accounts that is not mine. Accounts were in litigation, I went to court and won both cases judgement in my favor. CRA still reporting accounts on my credit report after proof was submitted and court documents. 

Please see attached documents