davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}. 
The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution. 
I have never heard of the company XXXX XXXX  until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life. 
Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (CA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

1 On XX/XX/XXXX I made an International transaction from XXXX XXXX XXXX to Bank of America to a beneficiary account for XXXX 2 Despite a delay, Bank of America confirmed the deposit of monies. 

3 This money according to BOA was paid into Beneficiaries account. 

4 Beneficiary Confirmed the money had not been paid into account. 

Lots of emails correspondence to date. 

5 I asked for my money to be credited back to my account 3 weeks ago and to date no action 6 XXXX XXXX XXXX claim money left XXXX - I have an audit trail of this. 

Bank of America claim money in beneficiaries account. 

Beneficiary no knowledge of monies either in account or statement. 
Bank of America trying to contact beneficiarys to return monies unable to do so without their consent. 

Both Banks seem to have decided they have done their bit Can you help please seems a very fragmented process with no clear way to a solution and return of my monies.
Consumer complaint received 2021-02-08
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: Exeter Finance, LLC. (TX)

Exeter Finance last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating exeter was at fault - now i go into XXXX XXXX XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX - nothing has been done - ill file suit in federal court if this is not resolved in 21 days -
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I'm attempting to use the site : XXXX XXXX XXXX to obtain my credit report from Experian. I've attempted this three or four times over the last two or three weeks. Each time, after filling in the form, I get the message below. This may have been fine for a day, possibly a few days, but for this to go on for weeks and months is unacceptable and needs some oversight to get them to solve this problem. Yes, I can request my report other ways, but that's why this system exists. 
Thanks for looking into it. XX/XX/2021. 
======================================================== We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Experian Information Solutions Inc. (CA)

We are looking to buy a new car. Two companies pulled credit score both received it from Experian. One company got score of XXXX and the other a XXXX. How can this happen from the same credit company? The scores were pulled within two days of each other. Also if XXXX claims to keep accurate credit scores, why are they always different when scores are pulled from loan company?
Consumer complaint received 2018-06-10
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)

There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

A company called XXXX XXXX COLLECTING A ON XXXX DEBT IS NOT MINE. This company just reported on my credit file. I am disputing and want this mistake removed ASAP. How does the credit agencies let this happen to consumers?
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (NJ)

I did a kitchen install with Lowes in XXXX XXXX NJ, it was a very frustrating experience and after not getting resolution from the store I put in a revoked charge and reached out to the CEO in North Carolina. The store reached out to me and requested a meeting where they asked me to email them releasing the funds revoked. They spoke of compensation however did not mention an amount. I was uncomfortable releasing the full amount not knowing what the compensation would be. I expressed this to the store manager XXXX at the time. After a few days I received a letter from the bank letting me know the store had reached out to me and that I would be responsible for the full amount. I called the bank to let them know Loews and I did not come to an agreement and re issued the revoked charge. Now Lowes is letting me know they will not talk about compensation until I release the full amount. I have been working with XXXX in the Lowes corporate office to try and get this resolved. She has confirmed Loews wanting the money released before talking compensation. I feel releasing the money will compromise my negotiating power and would leave me in a vulnerable position.
Consumer complaint received 2015-09-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

The credit card company in question starting from XXXX/XXXX/2015 to today have made SEVERAL calls per day without leaving a voicemail and the few times I have answered the phone, the caller has hung up. Thus violating the Fair Debt Collection Practices Act section 806 by " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (SC)

I am trying to find a contact to obtain a copy of the Assignment of mortgage from the original lender to you or a satisfaction of mortgage for the lien that is in 1st position instead of the current lien. I am in the process of selling my home and the title search shows that my refinance with XXXX in XXXX of XXXX is in second lien position to the original mortgage obtained in XXXX. The company I originally financed with in XXXX was XXXX XXXX  and they are no longer in business. My loan was then sold to XXXX XXXX, then it sold to XXXX XXXX XXXX. The loan is currently being serviced by Carrington Mortgage. 

I am in the process of selling my home and the title search has shown that this title problem as it is still showing that the original loan in XXXX is still on the county records and there is no assignment of mortgage or a Satisfaction of mortgage filed from XXXX XXXX to o XXXX. I have been working with the Servicer Carrington Mortgage to get this corrected however they are stating they have no records connecting XXXX XXXX to XXXX. However they were somehow able to obtain a satisfaction of mortgage on the 1st lien that was from the original loan in XXXX for a much smaller amount. I have been working on this issue for weeks with no resolution.
Consumer complaint received 2020-05-07
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: Experian Information Solutions Inc. (WI)

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/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received an alert from XXXX XXXX on XX/XX/XXXX about a Collections account in the amount of {$1400.00}. The creditor is XXXX XXXX. Collection company is The XXXX XXXX XXXX L. I used to live at XXXX " XXXX Drive from XXXX. In XXXX XXXX, XXXX was contacted via mail and email to cancel the account. I did not receive a response or a bill from XXXX to XXXX. When I moved from that location all mail was forwarded to my P.O. Box. I never received any collections or bill pertaining to my account. My email is still the same. My original account was through XXXX. I received an alert from XXXX XXXX today XX/XX/XXXX stating that I paid {$1.00}, in which I didn't. Please look into this. Thank you
Consumer complaint received 2021-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is I needed the most at the moment. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2018-02-11
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. (TX)

IN REGARDS TO : XXXX, ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR XXXX  WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( XXXX ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT XXXX BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX combs goodwin stated that since this was already registered on my credit report as a judgement they can not take the case. Gap XXXX XXXX employed XXXX XXXX who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! Gap XXXX XXXX Bank or this XXXX XXXX. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from GAP Syncrony Bank XXXX XXXX XXXX and XXXX and XXXX from XXXX 2010 to XXXX 2010
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello today XX/XX/XXXX, Im currently abroad. I tried to transfer from my company bank account A to another company owned by me. The bank blocked the transfer and stated that I need to go personally to a branch to review the transfer. Im currently abroad, I am on late payments I have my registered phone number, debit, info etc and they are not willing to help me. I will need to take a plane, travel the whole world and no help yet.
Consumer complaint received 2018-06-10
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. (CA)

There is an error with the balance being reported with my " XXXX XXXX XXXX XXXX  '' account. 
My statement balance is {$0.00} but it was reported as {$320.00} and negatively impacted my credit as a result. Please update my account to reflect my {$0.00} balance.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022 I expected a direct deposit in my business checking account of {$3800.00}. Last month there was no problem with the direct deposit. I called the bank and was told there was no pending deposits, check with the sender. I got confirmation from the XXXX bank the deposit cleared their bank. Called Truist back and was told to keeping checking online because they dont show a pending deposit. It is now XX/XX/2022 and no deposit showing.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (WY)

Wells Fargo XXXX XXXX XXXX has not reported to credit bureaus for 90 days. I have three accounts that show deliquent that are actually current. I have attempted to resolve this with WF XXXX several times and was told it was fixed and is current. I had a hard pull on my credit report to attempt to get financed for a home loan and was denied because of these false claims that my account is delinquent. I was advised by the mortgage lender to file a complaint if WF XXXX could not repair the credit report immediately. I was told by WF XXXX that someone will be contacting me within ten business days. Meanwhile, the home I was going to buy is under contract with another purchaser, I am on the hook for {$240.00} for attempting to have a Rapid report performed on my credit, which should reflect the changes I was told had been made. I also damaged my credit even further having a useless hard pull on my credit.
Consumer complaint received 2017-12-05
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. (FL)

I have a Security Freeze on all 3 Credit Bureaus. I gave authorization for One Time for an inquiry to XXXX XXXX on XXXX XXXX, XXXX. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX XXXX  exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( 6 times ) in the past month when only one time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, XXXX by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, XXXX and my first payment isnt even due as I was approved, yet their company couldnt explain why 2 more were done. I need XXXX, EXPERIAN and XXXX to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a Security Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX XXXX did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!
Consumer complaint received 2017-12-05
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. (FL)

I have a XXXX Freeze on all XXXX Credit Bureaus. I gave authorization for XXXX XXXX for an inquiry to XXXX Bank on XXXX XXXX, 2017. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX Bank exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( XXXX times ) in the past month when only XXXX time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, 2017 by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, 2017 and my first payment isnt even due as I was approved, yet their company couldnt explain why XXXX more were done. I need XXXX, XXXX and Transunion to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a XXXX  Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX Bank did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Equidata, Inc. (VA)

Hi, One of my bill suppose to be waived because I have Charity funds for my medical expense during that period. I tried to provide information to my credit collection agent Equidata. but they said i have to ask the original creditor mail them information. Unfortunately, i called all entire XXXX XXXX or XXXX department, I could not find my original creditor. No one has any knowledge about that bill and they said my account balance is XXXX. 
I attached document below. Hope you can help me out.