davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (TX)

I discovered this morning that my credit score decreased by 45 points so I started investigating what happened. TD Auto Finance, with whom I have two auto loans, apparently reported that I missed a payment on one of them. Since I pay by auto draft for both loans, I reviewed my bank account for the past few months and confirmed that all payments had been made. So I called TD Auto Finance and found out that the missed payment happened in XXXX on my XXXX car, and that I have been charged a {$21.00} late fee every month since and now owe {$680.00} in late fees. I have never received a statement for either vehicle in the mail on in an email. In XX/XX/XXXX, I missed a payment on my other vehicle, a XXXX car, and TD Auto called me and I immediately paid it with a debit card over the phone plus the late fee. I had no idea that I had missed a payment in XXXX on the XXXX vehicle since I never received any statements or any sort of notice of the missed payment. Yet they continued to charge each month for the late fee. Then they didn't report the missed payment to credit reporting agencies until 2 and 1/2 years after the missed payment, conveniently racking up {$680.00} in fees over the years. I have talked to several representatives TD Auto Finance and they insist that they mail statements every month, but I have never received one for either vehicle. They also insist that they report missed payments to credit agencies every 30 days which obviously they don't. I asked two of the reps to speak with their superior, and they said they were transferring me but instead both hung up on me. I am in the process of trying to secure XXXX funding for business expansion but was denied the loan I was originally offered because my credit score dropped so much while the loan was in underwriting.
Consumer complaint received 2021-02-26
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: EQUIFAX, INC. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2018-02-11
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: BARCLAYS BANK DELAWARE (LA)

My identity was stolen and multiple account were opened in my name. I reached out to Barclay Bank Delaware to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (KS)

My debit card account information that I receive my child support on was stolen and ALL my funds were withdrawn out of my account. I called and reported these charges were fraudulent on XX/XX/. I filed a police report on XX/XX/ as well. I have called several times trying to get information about when I will receive my money back and was told it could take 90 days. Today XX/XX/ I called to follow up on the investigation on the account and was told my claim was denied due to " similar account activity '' My account was drained out of New York I live in Kansas have never been to New York. I am a single mother on a tight budget. This was my child support money to take care of my XXXX kids. This has put a major strain on me and my family. I need my money that was stolen from me back. I have proof I was NOT in New York.
Consumer complaint received 2021-02-26
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: I.C. System, Inc. (TX)

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I C SYSTEM I C System, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Account # : XXXX
Consumer complaint received 2020-08-26
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: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-01-16
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: Westlake Services, LLC (FL)

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state of Florida.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2019-03-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I sent an international wire transfer ( to XXXX ) through the XXXX branch of PNC bank on XXXX XX/XX/2019 at XXXX. The branch manager went through the details and said that since it was going to be in the destination currency ( INR ), it would be sent directly to the bank ( XXXX ) and that there was no need for an intermediary bank. The money was then debited from my account. 
I kept following up with the beneficiary to confirm if he received the funds and even after 2 weeks the funds were not received. I then called PNC 's customer support and they told me that the beneficiary bank was asking for additional information. Since it was already delayed by 2 weeks I requested PNC to recall the transfer. 

I have since followed up with PNC several times and as of today ( XX/XX/XXXX ) over 2 months from the date of the wire transfer I have not received the funds back into my account. 
It appears that there may have been an error from PNC bank because they keep saying that the funds are with XXXX bank XXXX they are unable to provide me details of this, I told them that if they could that I would follow up directly with the bank ) however the funds were to be sent to XXXX bank and not XXXX bank. 

The details of the wire transfer are as below Date XX/XX/2019 Time XXXX EST Confirmation code : XXXX Amount : {$29000.00} According to the receipt the funds should have been available to the beneficiary by XX/XX/2019.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

My PayPal account has been hacked and the email address for my nephew, XXXX XXXX ( XXXX ) was changed to XXXX without my knowledge. When I went into my account to send money to my nephew, the account would not let me verify the email, so I simply clicked on XXXX 's icon and sent the money NOT AWARE THAT SOMEONE HAD CHANGED MY NEPHEW 'S EMAIL ADDRESS. When I discovered that XXXX did not receive the money ( within minutes ) I called PayPal and they advised me that the money went to XXXX and that it was sitting in this account BUT THEY WOULD NOT REVERSE THE TRANSFER. I called my bank and stopped payment to PayPal. I asked PayPal to investigate who changed this email address as it could be someone who works there. Investigation into this email address reveals that it is not a valid address any longer, although it was valid when it received my {$400.00}. THERE IS MAJOR FRAUD GOING ON HERE. My bank will not send them the {$400.00} but they are showing my account in default for {$400.00} and they keep harassing me. I won't use PayPal again but someone needs to investigate this fraud.
Consumer complaint received 2019-03-18
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: SYNCHRONY FINANCIAL (MD)

I took out a XXXX XXXX card in XX/XX/ 2018 through Synchrony Bank with a {$95.00} registration fee. I was promised a bonus of XXXX reward miles after spending {$2000.00}. I spent considerably more than {$2000.00}. I was never able to receive or access my bonus miles. For 5 months I have tried. XXXX XXXX could not recognize my XXXX XXXX  number ( # XXXX ) that is on my XXXX XXXX card provided by XXXX XXXX. I'm not able to use the reward I earned and Synchrony was not able to repair the situation over several months and many hours of my time trying to access my miles. I spoke several times with a supervisor, XXXX, in the Kansas Synchrony Bank customer service office. She tried unsuccessfully to reach out to XXXX XXXX to resolve the situation as did other supervisors. Nobody could get a response.
Consumer complaint received 2018-02-20
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. (CT)

I have spoken with numerous representatives regarding this matter with this company XXXX XXXX XXXX and this company is still reporting on my credit report from Experian this company should be removed immediately and Experian is refusing to update my credit report with accurate information
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I have tried to cancel the experian membership several times. Its long hold times I am told the wrong dept. no response to emails the chat lines are always closed now they are blocking me from seeing my credit report when I tried to cancel the membership prior to the 30 days trial. 

They should remove the block and cancel the {$24.00} membership It wont even allow me to contact them to cancel the membership
Consumer complaint received 2022-01-16
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: Kikoff Inc. (FL)

you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$77.00} US DEPARTMENT OF EDU XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

On XX/XX/14, I contacted National credit adjusters to settle a debt. This debt was past the statute of limitations in my state but they would not remove it from my credit report. However, I wanted it removed so I received an offer to settle the debt. I called and settled the debt for {$140.00} less than what was owed. They then proceeded to inaccurately report it to the credit bureau so I disputed it with XXXX. XXXX stated it was certified by NCA, so I uploaded all the pertinent documents and XXXX came back the very next day and denied my request. This needs to be corrected and if you read the reviews for NCA, this isnt the first time theyve done this to consumers. Its a shady tactic to collect more money once youve paid what was agreed to.
Consumer complaint received 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Consumer complaint received 2019-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (NC)

I have received phone calls from Hastled Financial Services LLC with different numbers and area codes. They calim I owe some debt from XXXX XXXX. I have explained to them this isn't my debt. I have never done business with XXXX. I have told them each time they call that I need them to send me information via mail so I can legally let them know I'm disputing this debt as it isn't mine. Each time I ask them to do this they tell me they can't, they claim they have already sent notice, which isn't true. 
I take great care of my credit and I'm afraid they will report this debt on my credit without allowing me to legally dispute the vadility of this debt. They call numerous times throughout the day using different numbers, each time I ask them the same thing. 

The debt collector information is : Hastled Financial Services LLC ph XXXX
Consumer complaint received 2021-09-16
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. (GA)

Experian has reinserted a disputed account back onto my credit report. The account in question is XXXX/XXXX  XXXX . XXXX/XXXX  XXXX has been sued and found liable for targeting and deceitful lending practices in which I was a victim of. XXXX victimized millions of consumers. Consequently, a class action lawsuit was filed and XXXX was forced to pay damages and forgive millions in loans. The fact that the loan was fraudulently/deceitfully established, this adverse account must be removed from my credit report. XXXX and XXXX had promptly removed this account, as they should have. But, for some reason Experian continues to be the most unreliable and negligent credit reporting agency around by continuing to report illicit adverse information. I am currently suing Experian for the inaccurate reporting of a bankruptcy. I will surely bring this issue up doing my court hearing, Further providing evidence of how Experian does not abide by the FCRA guidelines. I have provided all necessary information on the XXXX account in my dispute of the account, so I will not upload again. I will take the files to court.
Consumer complaint received 2021-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I contacted XXXX XXXX XXXX XXXX explaining that I never received a Notice of Disposition which is federal law UCC 9-611 ( B ). XXXX responded with a letter that I Disputed the accuracy of the account and that's not what I asked them for
Consumer complaint received 2021-09-16
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX Citibank Credit Card sent me a letter saying they have closed my account because I have decided to use my rights in the Fair Billing Act/Truth in Lending. I filed disputes with the credit card because XXXX was charging me for someone else 's orders and orders that were cancelled. I tried to reconcile the charges with my XXXX account so I couldn't verify the charges. I received the letter XX/XX/XXXX. This is the first piece of mail I have received from them. They did not contact about these disputes to let me know what happened or needed anything from me.
Consumer complaint received 2020-08-25
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: HUNTINGTON NATIONAL BANK, THE (OH)

On or about XX/XX/2020, I purchased a one-year subscription to XXXX -a social media management App for business. However, shortly thereafter the XXXX stopped servicing customers and stopped access to all accounts. They even sent an email stating they were having issues and if we chose could request a refund. Needless to say, all such requests were ignored by the company. I then filed a dispute with my bank, Huntington Bank, and was assured all would be fine since I caught it in time. On XX/XX/2020, Huntington issued a letter stating they were issuing a provisional credit to my account for the charges. I even asked if they needed copies of the email correspondence etc. They said no. Today, XX/XX/XXXX, I received a letter via US mail dated XX/XX/2020, that they were in fact " denying my claim '' since the " monthly charges '' happened prior to the monthly billing cycle! 
First, this was not a monthly charge as stated when I filed the claim. 
Second, the company has no monthly charge of {$150.00} Third, it appears Huntington neither read the details of the claim nor investigated since the company is no longer in business and countless customers are up in arms with a simple google search. 

Of utmost concern for me is the inconsistency with how this claim was handled. They could not be bothered to read the details and decided based on facts ( yearly fee ) instead of conjecture and assumption ( monthly? ). I am considering closing my account over {$150.00} based on how this claim was handled. There are no substitutions for attention to detail in Financial matters. As of today, I am no longer referring to my business clients to this bank.