davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-23
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: EQUIFAX, INC. (IL)

I contacted the creditors who placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no response from their offices. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. If once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiries from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiries referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2021-08-14
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. (NJ)

I've been in contact with all 3 Credit Bureaus XXXX XXXX, Experian & XXXX  i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all 3 credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and XXXX  should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XXXXXX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00}
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CBM Services, Inc. (MI)

XXXX XXXX my mother had a form from a collection agency. It has three accounts they were trying to collect on. One account my mother was a co signer on. The other two accounts she was not. She called me in a panic and wanted me to call the agency to assure she was not responsible for the other two accounts. I called they denied sending the letter to my mother with my other two accounts, she is not responsible for. They wanted a copy of the letter for proof. XXXX XXXX I went to the office and gave them a copy of this one letter even though my mother had gotten more than just the one. The manager was not in and would call the XXXX. She did call the XXXX she did say they made an error and it wont happen again.. at that time I told her it had happened multiple times and I do n't feel that I should not be responsible for paying the debt. She did n't seem to be sensitive to the situation at all.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

bmo harriss bank has refused to open a a account on the endless attemps my whole life and i am a XXXX XXXX XXXX senior now TREATED DIFFERENT IN AMERICA WHY WHY WHY WE THE PEOPLE OF THE UNITED STATES OF AMERICA WHICH I AM ONE A AMERICIAN BORN CITIZEN? IS A CREDIT SCORE GREATER THAN THE US CONSTITION OR IS A BUSSINESS GREATER
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My XXXX XXXX XXXX was totaled on XX/XX/XXXX by someone hitting me. I now have financed a new car, and XXXX Bank was paid off by XXXX. I would not have been able to finance a new car with an existing balance to XXXX unpaid. I have documentation from the insurance company saying the payment was sent over a month ago. My credit score says the account with XXXX is delinquent and my score has dropped XXXX points. This is clearly incorrect information that needs to be rectified as soon as possible. Thank you
Consumer complaint received 2021-07-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need help from the consumer bureau I dont know what else to do with Trnasunion beside you sue Transunion After I sent a letter and also reporting to the consumer Bureau They sent me a letter saying that they are unable to process my request because they are unable to determine the nature of my request or is illegible I sent several Letters and disputes with details and proof and even like that they have the nuts to say they dont know what is the nature On my reason Transunion is one of the worse of all the credit bureau XXXX could it understand the nature of my dispute but not Transunion Doing over and over violations of my rights I sent a letter telling that the last date active were wrong, and didnt even match with any other reports So my disputes are trash? 
Last letter to sue Transunion They are treatment in an unfair manner and violating the credit act They say they had investigate I dont believe that Im suing Transunion After the conclusion of the report
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I made a payment for the date that I made the payment.I have XXXX for the bank account.The bank said they took the money out and so did Capital One. They said the bank rejected my pay mentor when XXXX will not even let it go through if the money was not there.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The credit reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I've been in contact with all 3 Credit Bureaus XXXX XXXX, XXXX  & Equifax i regrades to the misleading & incorrect information reporting to my credits. These accounts have prevented me from employment, I receive harassing phone call and threatening letters i requiring me to pay or else. This is direct violation to the Fair Credit Reporting Act and there are multiple violation impacting my privacy rights. Im going to list everything below. I recently disputed the accuracy of the student loans that were reporting incorrectly to all XXXX credit bureaus. XXXX XXXX was the only bureaus that honor their mistakes and deleted them. They will also be listed below. Its been past 60 days Experian and Equifax should have also deleted these items as well. 

XXXX XXXX : Hard Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Equifax : Accounts : DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5700.00} Hard Inquiries : XXXX/XXXX XXXX XX/XX/XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX  : Accounts : DEPT OF ED/ XXXX XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$5600.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$8100.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$24000.00} DEPT OF ED/ XXXX  XX/XX/XXXX {$23000.00} DEPT OF ED/ XXXX XX/XX/XXXX {$5700.00}
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. 

The representative I talked to when calling in refused to provide me their name and a suitable address. 

The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. 

Transaction ID : XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank has incorrectly charged overdraft fees on transactions that should never have been overdrawn. I have been experiencing issues with TD Bank regarding excessive and illegal overdrafts and non-sufficient fees since XX/XX/2022. As of XX/XX/XXXX, I had an illegal overdraft fee of {$240.00}. In an effort to reverse the fees, I have been in constant contact with TD Bank. As a result, I requested that the account be closed since I would not be making any further deposits or transactions to the TD account. I reviewed the account on XX/XX/2022, to determine whether the fee had been reversed and discovered four unauthorized XXXX transactions. I contacted XXXX and they addressed the issue. They also notified TD Bank of the unauthorized transactions on XX/XX/2022. As a result, TD continues to impose non-sufficient funds and overdraft fees for the same transactions from XX/XX/XXXX to XX/XX/2022. According to my bank statement dated XX/XX/2022, I have a total amount of {$590.00} in overdraft fees. 

I contacted TD Bank by phone and through their message portal. I received the same generic response from them, which indicates that they have no intention of helping. Even though I requested that my account be closed, they ignored my request. 

In support of all my claims, I have sufficient documentation when needed.
Consumer complaint received 2021-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

On Friday, XX/XX/XXXX at XXXX I looked at my checking account and see what my available balance was so I can transfer my funds to another account.US Bank indicated that as of XX/XX/XXXX XXXX my available is {$590.00}. I proceeded to transfer all of {$590.00} to another checking account. 

The next day I took another look at my US bank checking account again and I was shocked that they charged me with four ( 4 ) overdraft fees of {$36.00} each and balance was negative - {$680.00}. I immediately called them and asked the rep what happened to my account resulted in a negative XXXX. She said I had transactions that were still pending. 

If I had transactions still pending, why would they indicated that, as of XX/XX/XXXX XXXX my available amount is {$590.00}? 

Thats just deceiving and tricking customers into believing what they have available then charge them with overdraft fees. Thats not difference than stealing money from someone. US bank STOLE MY MONEY! Why would they have sick practice that is so unethical? 


I told the rep that If I transfer the money back to my checking account, would she able to remove the overdraft. She said no and they are not willing to work out anything with me. 

I am speechless and angry the fact that I was willing to work with them by undue my transfer in hope that they would reverse those overdraft fees but they said they wont do it and my account remained negative. 

They set up this trick to steal my money and others peoples money. US bank is a big thief and they will not return my money
Consumer complaint received 2019-08-09
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)

Following credit inquiries were not authorized XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (MD)

I purchased the vehicle three years ago, I believed the stipulations on the loan were to high, so I tried to refinance through my Credit Union and I was told I would have to give them. {$3000.00}, because the car was not the worth the value I paid for it. I was unable to refinance it through anyone. 
Carmax is a RIP Off. 
Sincerely, XXXX
Consumer complaint received 2023-01-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I'm willing to provide anything required by law to prove my innocence. Money was taken from my account that were a result of fraud. Capital One refuses to return my money or acknowledge the proof provided. On XX/XX/XXXX I was informed of suspicions activities on my account. After disputing the items I was told someone I know probably made the charges. I'm the only user of the account and have attached as much proof as possible. They failed to provide exact locations on several of the charges which makes it impossible to get supporting documentation on all transactions. See attached documentation. I also have several witnesses that I was with during this time. Im providing a police report a photo of the individual at one of the locations and a letter stating XXXX fraud liability. They could of called any of the fraud department and got camera footage. They claim the reason they took my money is I probably knew the person. Seriously.
Consumer complaint received 2020-07-10
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)

I applied for a {$1000.00} personal loan with my bank to try and establish credit because I supposedly have no credit history according to my banker. I met all the requirements and was denied due to the information provided by TRANS UNION. I have on numerous occasions contacted them by phone dating back to 2015 stressing to them of how important it is to remove incorrect information from my credit report I faxed police reports to them and updated current addresses and phone numbers. To no avail. I am being discriminated against for being XXXX. I am being singled out due to not being XXXX.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XX/XX/XXXX I received emails from my old bank 'Bank of America ' account upon looking at my account I noticed that someone was able to login to my account and dispute previous transactions, I immediately tried to log into my banking app on my XXXX and was not able to as it said my access was restricted, I immediately stopped what I was doing and called the Customer Service number, when speaking the lady advised that my account was accessed via phone but not in my location and she transferred me to the fraud department who said that they will try to stop the dispute of transactions the agent then advised that people get into peoples accounts and dispute large transactions and then try to setup transfers to outside accounts which was told this would not happen and was advised that there was not much else I can do but go to the branch the next day. I was such in a Panic I called the XXXX XXXX Police Department in Florida and filed a police report Case # XXXX with Officer XXXX. The next day I arrived at the bank I asked for the branch manager which I sat down with them and explained, immediately they did not believe me, and I was told I had to speak to account protection services which was higher than the fraud department and they said that they will close my account and they will not do business with me ever again, so essentially not believing anything I said. I advised the agent that I had a police report and did everything I was supposed to do to try to report the issue but again did not believe me, I also gave them the police report but nothing. As the months go by I noticed that I was flagged with Early Warning Service as a 'Suspected Fraud ' client so my new account with XXXX was closed without reason. I had a great banking history with Bank of America when I opened my account in XXXX I had the checking account that did not allow overdrafts because I was being responsible, but for them to blame me when I should have been protected as a client of a business should be is ridiculous. The application and online account access should have been smart enough to block the hackers because I was suppose to receive a text message whenever my account is accessed to receive a code to authenticate myself which never happened but they blame me for this. This was unfair treatment of a client and now I am still be penalized for something I did not do.
Consumer complaint received 2017-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc. (AZ)

I spoke to a collector there by the name of XXXX on XXXX-2017 at XXXX XXXX at ( XXXX ) XXXX in regards to account collector did not give mini miranda at begining of call was very rude i told her account was to be removed from my report it was not a valid debt apartment was full of roaches and complex let me leave with no fees owed. XXXX said she did not care she was going to garnish my wages with no valid judgement and keep reporting account another 7 years then hung up on me
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I got a new Capital One Venture credit card and thought I set up the auto-payment. But it does not pay and I was charged late fee and interest after the due day XX/XX/2019. When I found out I haven't paid, I immediately paid the full amount on XX/XX/2019. By the way, the Capital One don't send any reminder to let you know you have not paid. But on XX/XX/2019, I found out that I was charged interest again for {$73.00}. But I paid full balance amount before due day this time. I contact the customer service and they told me the they will charge interest for two consecutive months and then it will stop. It's the company 's policy. I don't think I should pay for the interest {$73.00} because I paid off all my balance before due date and there is not amount to be charged for interest.
Consumer complaint received 2020-11-04
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. (NJ)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to XXXX  to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.