davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (VA)

on XX/XX/XXXX, I received an email from Discover Bank that was state that their system detected unusual activity on my accounts. For security purposes, they suspended access to both of my saving and checking accounts. The email also provided me to call, XXXX or XXXX. When I immediately called XXXX, it took me to a automatic message that telling me that the bank officially decided to permanently close all of my accounts and no further explanations will be provided due of their " business decision ''. 
I tried XXXX and it took me nearly 3 hours to reach " bank specialist '' and yet they couldn't explain to me why my accounts were frozen and furthermore state that it will take 60 days from my last deposit to receive my {$7000.00}. I've been calling them weekly to keep up with my accounts status. However, each time I call them, I would get different answers. When I called them back on XX/XX/XXXX, the person on the phone told me it would most likely take longer than 60 days to get my money back. And she wasn't sure that when will my accounts will be officially close. This doesn't make any sense to me. because when I called them on XX/XX/XXXX, the specialist ( a different person ) told me that my accounts are closed and will get my funds back around in beginning XXXX. 
I have never had these kind of issues with my local bank. The fact that Discover bank couldn't provide me any explanation regrading closure with my accounts sounds very fraudulent. And I am afraid that I would not get my money back. All of my emergency funds were in there and I am behind with my bills. I believe that Discover bank is dishonest and operating on bad faiths.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (CA)

Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date
Consumer complaint received 2016-06-06
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (CA)

My CD matured on XXXX/XXXX/2016. Prior to the due date I contacted Ally Bank to arrange for a partial redemption on the CD on the maturity date. I have spent literally hours on the phone and on hold trying to get a portion of my maturing CD funds transferred to my checking account. As of XXXX XXXX I am still on hold trying to get my funds sent that were supposed to be sent on XXXX XXXX.
Consumer complaint received 2016-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (GA)

I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcies ( below ) on my credit report due to Civil Case No.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I did not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has violated the Fair  Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
Consumer complaint received 2021-01-18
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. (NY)

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. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (VA)

I obtained a copy of my Experian Report. As Experian is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by XXXX XXXX on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-11
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Servatus Corporation (CA)

Credit Solutions Corp. a collection agency, purchased my debt from XXXX XXXX XXXX, a sum of {$7300.00}. The date of last payment on this debt is XXXX XXXX, which means this debt ages off my credit report in XXXX XXXX. However, Credit Solutions Corp. have erroneously recorded the date of last payment as XXXX, XXXX. This is impossible as I was living overseas at the time and made no payment after XXXX XXXX. There was no activity on this XXXX XXXX XXXX account after that date. Please see attached files showing the correct dates as reported by XXXX XXXX XXXX, and the incorrect dates as reported by Credit Solutions Corp . I have attempted debt validation with all XXXX credit reporting agencies, in addition to requesting the error fixed directly with Credit Solutions Corp. with no success. I believe Credit Solution Corp is in violation Federal Fair Credit Reporting Act on this manner.
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Capitol Credit Services, Inc (NY)

On XX/XX/2020 I contacted customer service and was forwarded to a supervisor XXXX ID XXXX And explained Ive been adversely affected for long-term because of covid 19 financially and in addition Im XXXX XXXX XXXX and I am requested a lower interest rate closing in my account and a monthly payment plan that is possible with my dire financial situation. She directly indicated they have nothing they can do to help me in this dire situation
Consumer complaint received 2020-05-26
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. (TX)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts have been billed incorrectly. These charges should have been submitted through my childrens medical insurance, not my insurance. I have attached copies of their insurance cards for reference. This false reporting of collection/chargeoff accounts that do not belong to me is seriously harming my credit score and these line items needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion has placed false and misleading information on my credit report that led to me being turned down for credit ( {$130.00} to XXXX XXXX XXXX of Virginia and {$51.00} to XXXX XXXX XXXX of Virginia was reported.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit report shows I am in collection for {$1700.00} debt not mine. Store not around, never been billed, debt from XXXX contacted credit report ( XXXX ), XXXX XXXX XXXX collection agency and have not had it removed
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

TD bank, a similar situation. My TD bank account was never comprised. My XXXX bank account was which was linked to my TD account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my TD bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. TD bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.
Consumer complaint received 2016-04-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

Around XX/XX/XXXX, I had computer problems, so I contacted XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ext XXXX ) XXXX and XXXX was helping me. I gave him remote access to my computer and paid via Amex. I saw him working on my screen. I do not know if this repair was related to the XX/XX/XXXX fraud or not. XXXX continued calling me after the scam, but I did not reply and blocked his number. 
On XX/XX/XXXX I had an email from XXXX saying that I was hacked and told to call XXXX. The man who picked up identified himself as XXXX XXXX at XXXX headquarters in XXXX, Washington. He accessed my computer to help fix the malware. He gave his XXXX extension : XXXX ext XXXX. 
He was controlling my computer, and I could see code/spreadsheets and on the bottom words American Express, my name, my wifes name, and our account numbers. He said that our AMEX accounts were hacked and that he must connect me with an AMEX Fraud Department. 
XXXX from AMEX introduced himself, and my phone displayed the same number as on my Amex XXXX. He said that there is a fraud charge of XXXX ( XXXX on mine and XXXX on my wifes ) on our account ( later, we checked, and this was not true ). I was then asked to help work with Amex on the investigation to catch hackers, and I agreed trusting that Amex was secure. 
He asked that I do not reply when family calls me and that my wife does not use phones at home as anyone who speaks with me will be jeopardized. I was asked to go to XXXX at XXXX XXXX XXXX in XXXX and instructed to use the Amex card to buy XXXX worth of gift cards to help catch the hacker. 
When I asked for a XXXX gift card at XXXX on XXXX XXXX, I was told that only a XXXX single card could be dispersed, so I bought it. 
The AMEX representative XXXX then told me to travel to XXXX XXXX XXXX, where I could buy two XXXX cards from two different salespeople. 
He sent me to XXXX store on XXXX XXXX, where I was able to buy 4 x XXXX cards without any questions from XXXX salesperson, and another one for XXXX to cover fraudulent charges on my wifes card. 
He asked me to give him ID/access to those cards. I complied. 
While this was happening, my wife received an email asking if we approve these purchases. She clicked NO, marking it as fraud, yet she still received a confirmation email of purchases. She was distraught unable to reach me for hours. She called XXXX, thinking that I was in danger of being forced to make withdrawals. 
When I came home, I met with the police and saw that gift cards were emptied. I realized that I was scammed. Phone calls kept coming. I was no longer picking up as per police instructions. Often it was my own number that was calling me. My daughter blocked all those numbers hackers were using, plus robocalls, and calls that have no caller ID from coming in.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (TX)

Google Pay sent two payments in the amount of {$2300.00} one day and {$900.00} another day to XXXX XXXX XXXX XXXX in XXXX XXXX. The service they were supposed to provide is the XXXX and XXXX XXXX XXXX XXXX for You where they set up a shopify and XXXX store and do all the social media set up, run marketing and advertising to bring in sales and after that do a lot of marketing that they just start selling the products all. This company did not provide services that were stated in the contract they made me sign, they kept on adding and removing products to the store they were setting up and were supposed to fully build out and transfer to me but nothing ever got set or fully completed or even remotely done. 
For the XXXX they said they do automated service they only added 6 products to this marketplace on my behalf but I paid for 100 products on XXXX and XXXX. After setting up 6 products, one of them was for a price of {$2700.00} that product now sold, mind you I paid them {$2300.00} for the package of fully automated XXXX and XXXX services. 
After that expensive massage chair sold on the store, they asked me for the money to ship the product as the cost of the chair was {$1400.00} and my profit will be {$1300.00}, I told them I had only {$600.00} and they asked me to send that which I did. They never shipped any product and XXXX never got a tracking number. 
After making this bogus sale they stopped doing anything on the store and I kept on messaging them before they stopped responding. 
I filed a claim with my bank who rejected it because the transaction was made through Google Pay that is a third party provider. Google pay refused to refund me that the charge is valid and has been picked up. I never got the service I paid for and I need my money back from Google Pay or my bank please help me. Thanks.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MD)

My mortgage was sold to Seterus in XX/XX/XXXX. I learned this when I went to make payment at XXXX XXXX XXXX and the teller could not process as the account was closed. I did research and contacted Seterus. Since, I have had nothing but a frustrating experience. While I made my XX/XX/XXXX and XX/XX/XXXX payments, I received a mortgage foreclosure package which was of grave concern! My payment for XX/XX/XXXX was made electronically on XXXX XXXX, 2016 in which I paid a XXXX dollar fee so it would be processed the next day. When I continued to see the monies had not been withdrawn from my account, I contacted Seterus. I was told they had not yet possessed the request. I could not understand why. I was told my account would show payment on XXXX XXXX. I checked my account again yesterday to learn this payment had not been withdrawn from my account. I called Seterus again this morning. I was told by my bank, XXXX XXXX, indicated there were insufficient funds. I was asked by Seterus to make a payment via phone. I stated I needed to followup with my bank. The Seterus representative asked if I were refusing to make payment. I stated that was incorrect ; I wanted time to clarify with my bank why they did not process the payment. Te representative was insistent she had to note my intent. I told her a payment woudl be made by the end of business today. I asked the exact time of close of business. I was told it is XXXX Eastern Time. I have since contacted my bank, XXXX XXXX, and there is NO record of an attempt to draw the amount due {$2400.00} from my account and it was verified that between XXXX XXXX and today, XXXX XXXX, 2016, more than sufficient funds were available. XXXX XXXX has given me a reference number as they are contuning to investigate.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Using XXXX letters I disputed a collection with XXXX to a XXXX balance. It was removed and placed back onto my report unfairly. The credit breaus denying the removal but I have proof in a screenshot.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was doing a thorough Credit Check via XXXX, which is something I 've decided I would do much more often. In the past, I would only use it to check my score, and that 's it. 
While looking around at the different reports, I noticed that TransUnion was reporting a XXXX name for me. I can not recall why this name would be reported under me, but it seems as if the reporting agency ( I can not figure out how to discern which agency reported my name wrong, or whether it is, in fact, fraud ) typed one letter of my name incorrectly. 
Whatever the reason might be, I 'd much prefer to have my name, and only my real legal name, to represent me in Credit Reports -- I do n't feel comfortable with another name out there that is n't mine that is attached to my liability.
Consumer complaint received 2015-08-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC (PA)

Sierra auto charges their customers over {$100.00} a month if they are over 10 days late ( contrary to how their contract reads ). Their payment system processes their payments as cash. Most major credit cards have a cash limit that does not meet the price of the monthly payment. By having this in place and not working with their clients to change their due date, Sierra is forcing people to pay way more than originally agreed upon. I am over XXXX into a XXXX loan that has an additional XXXX in financing charges. My payoff is close to XXXX and a supervisor has not called me back in three months to give a decent resolution.