davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My sister and I are joint trustees on an estate Trust account that our father left for the care of our mother. This account is currently held with Capital One at the XXXX, VA branch. When he passed away in XX/XX/XXXX we went to the branch to present the Trust documents and completed the required process to represent and manage the account. Since that time we have had no issues accessing the account funds. Suddenly and without notice in late XX/XX/XXXX we received a call from the memory care facility where our mother is a resident indicating the payment sent from the account for XX/XX/XXXX services did not process. We contacted the Capital One only to learn that the account had been frozen as they had questions about our trustee roles. Despite almost daily calls we continue to get the run around indicating their Legal dept is still reviewing the situation. Meanwhile we have no access to the account funds. We were told we need to complete new signature cards so we did that on XXXX XXXX, XXXX anticipating that would be the answer, but still nothing. It has now been over 30 days without resolution! They have refused to provide a contact above the Branch that we can discuss this with or connect with our attorney. 

Today I was told they discovered another signature requirement and their Legal group is working on the details. Upon receiving this information, I told their representative XXXX that if the situation was not resolved by Friday XXXX XXXX, I would be escalating my approach. 

This situation is horrendous. We have been forced to access other funds to pay for the care of our mother and there is no evidence of urgency from Capital One. We are prepared to cooperate with any action required to address this situation and look forward to your contact.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MA)

I have contacted Transworld Systems Inc ( TSI ) to dispute a XXXX XXXX bill, and they sent me the paperwork to dispute the bill. I filled the paperwork on XX/XX/XXXX and returned it back to XXXX XXXX. I followed up with TSI, as instructed on several different occasions : XX/XX/XXXX, XX/XX/XXXX & XXXX speaking with various different agents there, including XXXX XXXX and XXXX XXXX, each time receiving a different story about the status of the debt. I was told that once that XXXX XXXX mailed out paperwork regarding the dispute on XX/XX/XXXX. By XX/XX/XXXX, when I had not received it, I called and was told that someone was going to look into it, and call me back with an update, that they need to reach out to XXXX XXXX. I asked if I should call XXXX XXXX, and was told that they will not be able to help me, and they would just send me back to XXXX, since the account was in collections. I never heard back, then I called back again on XX/XX/XXXX and then got a completely different story, that XXXX XXXX hadn't sent out anything yet, and that no one basically knew what was going on, and I keep getting the run around. The debt is not mine, I have provided all the requested paperwork and have confirmation of the fax being received. I would like this debt removed from my credit report. I submitted more than 1 dispute for this account, only to ever receive dispute paperwork. I have asked for the written contract for this debt. I have requested that if they do not have the proper documentation that they remove this immediately, under Section 611 ( a ) ( 5 ) ( A ) ( i ). A final bill from the original creditor is not verification. Please assist in this matter. I also received a call from a XXXX number, and was told that it was in regards to my dispute on XX/XX/XXXX. When I called that number back, it was a sales call for utilities at a lower price. I believe that was my information was sold or compromised because they specifically referenced my account with TSI and the dispute. I did bring this up on the call to Ms. XXXX, when I spoke with her on XX/XX/XXXX. This has been going on for nearly 2 months now and I just would like help to get this issue resolved. 
Thank you!
Consumer complaint received 2020-07-09
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. (MS)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (PA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

hey, I sent a dispute letter XX/XX/2020 and as of today I still havent recieved a response and by the law if im not mistaken the bureaus have 30 days to respond
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

On Friday XX/XX/2020 my PNC debit card was used for {$900.00} following a {$270.00} charge as well a {$280.00} CARD FREE ATM ACCESS funds withdrawn. I am an XXXX XXXX XXXX XXXX with XXXX XXXX XXXX   I was scammed by a guy who stated he could get me an SBA loan for XXXX XXXX   I gave him all of my personal information name social DOB account # routing # bank user name password and debit card number I thought it was a lot but my business is on the verge of being nonexistent due to COVID19 I contacted PNC and told them about what happen nobody has offered to send me a debit card or even get me a debit card issued they have restricted my online access so me being the actual acct holder can not see or get into my acct they were holding me liable for the fraud until I called and told them that Im not paying for something I did not do and they are holding my paycheck from me from my job during this pandemic I have no $ for anything I need because they wont allow me access I spoke with an agent named XXXX XXXX he was so rude to me did not want to offer assistance he denied my request to speak with someone else he was being deliberately unhelpful and did not know any information I had to give him my information in regards to everything he completely tore my spirit into many pieces in regard to PNC or any of their business practices he was so discourteous and I have no faith in the company what so ever it makes me want to file a lawsuit for pain and suffering. This person also filed so many wrong and unwilling disputes on my acct causing a lot of issues with merchants I have rapport with.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

I have an account that is showing up with the company from XXXX XXXX The account was opened in XXXX of XXXX it was charged off but still reporting on my credit For all three Beauras Then XXXX XXXX the account was opened in XXXX of XXXX {$270.00} and it is still reporting. 

Thank you for your help in this matter. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

When I went to XXXX XXXX mall to purchase a vehicle. I test drive the XXXX I wanted but was convinced to buy a XXXX XXXX that was only a four cylinder because the payments would be lower and it would help build my credit. After spending over six hours at the dealership I put down {$1500.00} and signed a four year loan at 15 percent. I complained about the high interest rate with XXXX XXXX. I was told it was due to the fact the dealership had submitted multiple loan application s with various lenders which effectively lowered my credit score. After a year I would be able to refinance. 
When I reached out to Capital One to get the terms of my loan transfer. I received paperwork as if I financed with them the day I bought the car which was false. I signed on a signature for XXXX XXXX   and did not give XXXX the permission to negotiate another loan at a higher interest rate and for six years on a car worth XXXX. The borrowed amount was {$15000.00} and the amount paid back already is {$20000.00}. The additional pay off amount is {$8800.00}. 
I work for XXXX XXXX. I can travel the state if NJ for free. I would never agree to finance a car for the price of two vehicles. I have disputed this loan and it's terms for the last three years with Capital one. I have been charged interested and tremendous late fees during this pandemic. Who in their right mind would agree to pay $ XXXX for a car worth $ XXXX
Consumer complaint received 2019-11-05
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. (OH)

Dont know how to go about this but I have a serious issue of some account the I never recalled applying for any credit cards in my name. I found someone opened an account with the follow companies : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX   # XXXX****, XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX. I was never a Authorized User on anyone 's account so I know the account was not mine nor the companies above.
Consumer complaint received 2020-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc. (FL)

Great Lakes has evaded to responding with lawful definition of " payment '' and liability to alleged obligation via fraud, concealment, failure to disclose or intentional misrepresentation under penalty and perjury to foregoing pursuant to 28 U.S.C. 1915e ( 2 ) B ( i ) ( ii ) ( iii ) and Per 15 USC 78m ( q ) ( 1 ) ( C )
Consumer complaint received 2018-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (VT)

This loan was consolidated with Department of Education / XXXX  on  XX/XX/XXXX, and XXXX/Suntrust/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/Suntrust continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/Suntrust/XXXX XXXX multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/Suntrust have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Consumer complaint received 2021-01-25
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. (OH)

This is now my 3rd time reaching out about an issue. XXXX XXXX is continuing to report inaccurate information. Not for sure why, but my last request said that I wasn't clear in my reply. I'm pretty sure that I was VERY clear as to what the issue was. I will copy and paste that info here : what I sent in on XX/XX/18 : This is my 2nd CFBP complaint against each of the 3 Credit Bureaus about this Company! I sent in one at the beginning of XXXX. They stated that they had closed this out and that it was accurate. However, as you can see from my updated credit report, it is STILL NOT accurate!!! The Date Opened is still incorrect The Date last Active is still incorrect The Past Due amount is stil incorrect The payment history is still incorrect I am asking you to remove this account from my credit report asap. I have been asking them to do this for many months now. Each month they continue to ignore my requests. 

I am now asking you to remove this account. I have been asking for months to have this information report accurately or to remove. I am on the verge of considering seeking counsel for this issue. it's very clear they have no desire to abide by the laws and report this information correctly.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urgently appealing to you to promptly remove the unauthorized ACCOUNTS from my credit report, given that I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error swiftly.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was contacted by a woman named XXXX XXXX from Arizona, we had been talking to each other for roughly a month and the topic of money came up. She had offered to send me {$4500.00} to help with costs of me moving into a new house. We had tried to do a money transfer through XXXX which I had used before but it didnt work. Then she had sent me an e check to be deposited online through my bank app on my phone. Once the check was deposited she had requested I sent her back {$500.00}. I did so, but once I began to question why I had received several threatening messages. I had then been contacted by several emails, phone numbers, XXXX, XXXX, from all different names. I was receiving terrible threats and this is when I had blocked all contacts linked to her and made my initial report for fraud. I then contacted my bank a few days later when I noticed my account had been overdrawn {$4000.00}. The bank stated there was nothing they could do to help me regain the funds I had lost.
Consumer complaint received 2020-10-12
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. (OH)

XXXX XXXX # XXXX is reporting different information the 3 credit agenices and it's inaccurrate. On XXXX  is " stating no payments have been reported '' as a Charge-off with a balance of XXXX. On XXXX # XXXX is reporting " PAID on time for the last 3 years as a Charge-off, but as of XX/XX/XXXX of the this year all payment made on time ... with a balance of XXXX '' How is that possible. Experian # XXXX is report " 4 Charge-offs and incomplete payment is history XXXX '' This is a violation of the Fair Credit Act 611, please delete this account.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I tried contacting the National Credit Adjust and also sent a certified letter to Credit bureau XX/XX/XXXX. By lawXX/XX/XXXXhas to confirm the validity of this alleged debt with 30 days or delete it from my credit file. I have a copy of this certified letter and it is dated XX/XX/2020. Today is now XX/XX/2020. I have not heard from either company. Both companies are past the 30 day deadline.
Consumer complaint received 2018-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CT)

As of XXXX XX/XX/XXXX, the state of Connecticut mandated Payers ( Banks ) who had business in the state to withhold Ct state tax from Pensions, Annuities or Retirement account distributions of maximal 6.99 %. 
Connecticut residents could tell the Payers ( Banks ) the correct amount of Connecticut income tax to withhold by filling in " Form XXXX '' and sending this to the Payers ( Banks ). 
When I send to my bank what is ALLY BANK the forms for my Required Minimum Distribution ( RMD ) I included also the " Form XXXX '' with my instruction to withhold {$0.00} for state tax withholding. My income is low and the last 2 years I had only to pay a minimum amount of CT state tax. 
Ally bank did totaly ignore to what I had filled in on my " Form XXXX '' and took out 6.99 % from the amount of my RMD. 
It seems very strange that while the state of Connecticut let ALLY Bank thru my " Form XXXX '' not withhold CT state tax, ALLY Bank insist in doing this against my wishes, and in a way ALLY Bank forces me on XX/XX/XXXX, to give the state of Connecticut a loan that I can get back in XX/XX/XXXX after I have filled in my CT State income tax. 
Attached is a file with 3 forms that I send to ALLY Bank to request my RMD from my IRA.
Consumer complaint received 2020-11-23
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. (FL)

I disputed with the Equifax and with the creditors the referred accounts, and requested proof of consumer contract and proof of payment history as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. XXXX  XXXX XXXX XXXX responded to my request that they were not able to send proof. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I have disputed these accounts with Equifax and they always respond that the creditors " VERIFIED '' the account. I HAVE NEVER ASKED FOR VERIFICATIONS, I HAVE DEMANDED PROOF OF ACCOUNT AND OF THE LATE PAYMENTS. NO PROOF IS EVER PRESENTED. 

THEY ALWAYS RESPOND TO MY DISPUTES WITH " ACCOUNT WAS VERIFIED. '' I DEMAND TO SEE PROOF!!!
Consumer complaint received 2020-10-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...