davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
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. (FL)

Please take a look and remove finally this item because I am victim of Identity theft and only Transunion brought this account to my credit report. I can not understand why the only one Bureau Transunion reporting misleading information. I ask you to make investigation and protect me for having this kind of situations again. Why Do I need fight with you guys in order to have credit report with my accounts and without any mistakes? Why its so complicated? Its very important nowadays and I am very sad when I see errors in reporting and that Transunion doe snot pay attention to this.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

Seems that Discover Bank is at it again, I received a letter from XXXX XXXX, XXXX claming that I owe XXXX XXXX $ XXXX I have never had a card from them. 
Seems that the money was transferred to a discover bank account!!!
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

To whom it may concern, The reason for this letter it to dispute an unauthorized collection on my credit report. On XX/XX/2021 I retrieved a copy of my credit report and discovered a collection account with Capital One Bank Credit card that I have no knowledge of. 

I have reached out to Capital one several times and have gotten no where. I advised them that this was not my debt and to removed this debt from my profile. 


Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2021-03-02
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: PNC Bank N.A. (PA)

I contacted PNC on XX/XX/2021 and cited claims and defense which they were advised I have a year to dispute the charges. PNC contacted me by phone on XX/XX/2021 and the representative still told me I only had 60 days to dispute the charges. In my request they were reminded of the claims and defense timeframe and the law that I am covered under. However, the representative still would not accept my claim. I asked to speak to a supervisor which she said she was transferring me and it hung up. I have XXXX  year warranties for both of my residences and each claim I have paid out of pocket to fix or had to purchase new appliances. XXXX XXXX XXXX was supposed to reimburse me for paying to fix the items out of pocket and never did and will not refund me. 

Regarding Case XXXX Case XXXX Case XXXX Case XXXX Case XXXX From my correspondence : I am asserting claims and defenses for the charges that have been unresolved in the above cases, I am within the one-year deadline to do so. I am seeking protection under claims and defense and am withholding payment as per Federal Law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) and ask that PNC fixes my bill to reflect this information
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion dropped my FICO score over 55 points for NO reason No late payment no increase in credit All other bureaus went up! 
Can log into my tu account Cant get a customer service to answer
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. XXXX is reporting the status of this account as a collection/chargeoff. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN for identification purposes so the bureaus will investigate my complaint. ) XXXX XXXX is claiming that I made a {$56.00} payment, which I did not make, and now the ( 3 ) bureaus have moved the date of last activity forward. When the false payment was reported it triggered the lates to report as well, which is incorrect. This account was opened in XX/XX/XXXX and the statute of limitations for reporting in the State of Mississippi is ( 3 ) years. This is clearly a violation of the Fair Credit Reporting Act for Credit Acceptance to claim a payment had been made when clearly one was NOT made, in order to move up the date of last activity on my credit report. It is also a violation of the  FCRA to not report accurate information on a credit report. This incorrect reporting is harming my credit score and these line items need to be removed entirely from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was contact on XX/XX/XXXX by phone and a voice mail was left. I was told to call XXXX about a complaint that was filed against me. I was contacted by a XXXX XXXX XXXX representing nationwide court services in Washington. He said they were scheduled to deliver court documents to me and also to my mother in law at her address. The number that was given connected me to a XXXX XXXX XXXX XXXX in which I spoke to a XXXX XXXX XXXX who said that if this debt was not settled now that I would be taken to court and have my wages garnished. The debt in question is from XX/XX/XXXX which violates the statute of limitations in Ohio to threaten me with legal action and wage garnishment. I requested numerous times for this gentleman to provide me with a letter of validation in which he said he was not obligated to do so. He was demanding we set up payment arrangement with a check or card. I questioned why a certified check would not be accepted. He would not give me reason but only stated it was not an acceptable method. At no time did he recite the statement that I have heard many debt collectors recite that this was an attempt to collect a debt and any information obtained would be for that purpose. Neither did he advise me that the call was being recorded. I also questioned why the firm he represented was not found when I searched it on the internet. I was told it was because it was a private firm. I also requested to see proof that his firm obtained my debt legally in which I was also refused.
Consumer complaint received 2020-07-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

I have two complaints. 

( 1 ) I refinance my loan with Freedom Mortgage with another company. The new mortgage company paid my loan off on XX/XX/2020 and everything settled on that day. It is now XX/XX/2020 and I have yet to receive my Escrow refund or the refund for over-funding of the loan as I had to make 1 extra additional payment before the loan funded. Freedom Mortgage has not provided refund for my escrow and the over-funded amount within 30 days of the settlement. I have contacted them with no response. 

( 2 ) Freedom Mortgage charged me a {$30.00} fee 5 times for a payoff request from XX/XX/2020 - XX/XX/2020. This is absurd and I have asked for evidence for each request. I have not received any reply from Freedom Mortgage about these gross overcharges.
Consumer complaint received 2017-06-01
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. (GA)

Over the past few months I have sent correspondence related to  XXXX  different items on my credit file and everytime I receive a generic response saying account update or verifyed but every time the same incorrect info is listed. When correspondence was sent to original creditors I use the address on my file and after a week or so both were returned because of the incorrect address from my research all info on my credit file has to be 100 % correct or the item must be removed. After receiving both certified letters backs as returned I then made photo copies of both returned envelopes along with a letter detailing when I 'm requesting both items have been updated although I 'm for a face that the addresses are incorrect if the letters have been returned from the USPS. The  XXXX  items I 'm referring to are  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX .
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-02-22
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. (GA)

I have reviewed my report for the 3rd time. I submitted a letter to Transunion on XX/XX/2024. Now I'm reaching out again regarding errors and misleading information on my credit report. It's been over 30 days since my initial inquiry, as required by the Fair Credit Reporting Act ( FCRA ), and I've yet to receive a response. This is my third attempt to address this matter. The lack of action is causing significant distress, which goes against the FCRA 's requirement for timely investigation of disputes, as outlined in Section 611 ( a ). Since this timeframe has passed without any investigation or response, I am requesting the immediate removal of the disputed items from my credit report, in accordance with the FCRA.
Consumer complaint received 2018-02-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX and XXXX XXXXXXXX XXXX have incorrect information on their report. They did not provide bankruptcy information and other accounts accurately. 
XXXX XXXX credit card and XXXX  XXXX credit card as well.
Consumer complaint received 2021-09-13
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. (FL)

ON XX/XX/2021 I 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 AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On the XXXX of XX/XX/2021 I authorized the payment of XXXX usd to be taken out of my Capital One Checking Account to pay my Capital One credit card .On this same day of the authorized payment I made several transactions including atm withdrawals never once was any transaction declined approximately a week later I was informed by the bank that my credit card payment was not processed due to money not available it seems quite strange I made several transactions on the authorized payment date all approved not one transactions went into overdraft or declined I requested reversal of late fees due to there error and none processing of payment which caused the late fee I contacted Capital One and they refused to assist me in rectifying this error
Consumer complaint received 2019-06-02
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. (CA)

On XX/XX/2019 I went to the XXXX XXXX XXXX to buy my mother a car. When I picked a vehicle, the sales person drove me to XXXX where I got a cashiers check for the total amount of the vehicle - {$14000.00}. I never signed any authorization for the dealership to run my credit. I explicitly told the sales manager & the sales rep that I did not give them permission to run a credit check, since I was paying for the vehicle in full. I provided them my social security # for IRS reporting purposes, since the amount was over {$10000.00}. Again, I DID NOT sign anything authorizing them to run my credit, and explicitly denied them permission to run my credit. 

The dealership ran a credit check anyway, without any valid authorization from me. The sales manager told me that this was standard process. When I became upset, the sales manager asked me to sign an authorization retroactively. I refused to sign, and cancelled the entire sale. I now have a fraudulent credit inquiry on my report.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

They said without having provided ANY information that it is in their fraud dept. I have no idea why since I have to go into their physical branch to do an ID verification. They gave me no other information except that, " my money is safe. '' They froze my account and have not given me any information since XX/XX/2024.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Accelerated Servicing Group LLC (CA)

On XX/XX/18 at XXXX, XXXX XXXX from Accelerated Servicing Group ( XXXX ), called an left a threatening voicemail. He said that my account had been escalated and placed with him for resolution among other things.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CO)

In XX/XX/2018, I signed up via phone for the XXXX XXXX XXXX XXXX XXXX XXXX credit card, it came with a signup bonus of XXXX points after spending {$3000.00} within 3 months. I met the spending requirement within the 3 month time period, however when I called in after the 3 month period I was told that the offer of XXXX points was removed from my account. I was told by the representative that on XX/XX/XXXX Wells Fargo re-did their reward program and that the bonus promotion was removed from my account and replaced with a 3x points promotion on future spending and that I would not receive the bonus points that were offered when I signed up for the card. I requested a supervisor and requested a case be opened, but was told there was nothing they could do to help me further as the bonus I was offered when I signed up for the card was no longer in their systems..
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have sent several letters to Equifax to update my address to the current one along with proof of the address but the previous address remains. I do not live at that address and wanted to ensure that I receive all my mail from them. I have also disputed negative items on my credit file and Equifax mailed me a letter. The letter stated that my information can not be found but yet they are able to allegedly validate negative information on my file. Upon looking at XXXX XXXX I noticed that several of my negative items were finally removed. I also checked the Equifax credit reporting site as well to ensure that it was accurate. It also shows no negative items. But when I log into the XXXX credit reporting site it lists several negative items. This is conflicting information and I would like a copy of my actual credit report to know what is on there. Each time I dispute I do not receive a copy of the outcome. I am uploading the return letter I received from Equifax and a screenshot of what their site is showing for me on their actual site.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was selling my daughter last crib on XXXX, a lady contacted me to purchase it. She said she sent a payment thru Zelle but I received no payment & got an email saying funds are frozen because of the amount being sent. It said I needed to send {$250.00} to the buyer to unlock the funds. It still didnt unlock so it said to do it again and so I did another {$250.00}. I was confused why it wasnt working so I called the bank and they said that the transaction already went through and couldnt be reversed and I had been scammed out of {$500.00}
Consumer complaint received 2023-02-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2023 I made a deposit of {$2400.00} cash at the TD bank ATM at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
The ATM didn't proces the money and didn't return them, but asked me for the amount and printed me a receipt that says " forced deposit " Next day I checked my account and noticed that was a deposit correction of {$1100.00}, I've been calling them letting them know that im late on my mortgage because of this has been a week and besides apologies haven't got any help from anyone that I spoke face to face at the bank site nor over the phone, if this isn't a robbery  I don't know what is