davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Nothing, I've disputed like I'm still disputing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This account was closed and charged off my account with a positive balance of {$320.00}. I did not close this account with a positive balance, so why does it keep revolving and updating on my credit report monthly? It makes no sense and I want it DELETED from my 3 reporting agencies. Why is this so difficult and why do the consumer reporting bureau allow these debt collectors to do this.IM REALLY TORED OF BACK AND FORTH and now it's getting ready to hit the news about how hard working people have to struggle in Georgia.
Consumer complaint received 2020-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 25th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX  acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Consumer complaint received 2018-07-18
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. (OH)

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX , XXXX, KY XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 4XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, KY XXXX
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. 
My request was sent via XXXX Certified Mail, Receipt # XXXX and was delivered on Sat, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Identification Card, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card for identity and address verification. 
I have received no response from TransUnion regarding my written request to be provided with a free, complete copy of my credit report. 
I have not received my credit report as requested from TransUnion. 
I am a Victim of Identity Theft and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my Credit Report as requested, which is well within my rights as a Victim of Identity Theft.
Consumer complaint received 2018-07-18
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. (TX)

Equifax I have sent them documentation of police reports, federal document, dark wed usage of my personal information that has been going on sense XX/XX/2006. I requested many times that Eqifax validate to me a copy of an actual signed contract with my signature on it for XXXX XXXX. XXXX has refused to respond to my letters and faxs SO HOW CAN YOU EQUIFAX VALIDATE IT.XXXX XXXX is not a real investigation .I request actual signed contract sent to me I do not owe anything on this debt because I paid it to get if off my credit report Even tho it was not mine you are violating my rights by not sending your investigation to me or removing this from report .it is reported to the FTC also Equifax you say if I have any questions contact Vz enclosed is my tring to contact them NO LUCK that mean you didn't also
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: Experian Information Solutions Inc. (WA)

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing late payments and a credit are transactions and experiences which is a violation of federal law. Update the payment history for : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 to reflect pays as agreed or paid in full and a balance on the following account immediately : XXXX XXXX XXXX. Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.
Consumer complaint received 2023-11-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CO)

I had scheduled a payment and the bank did not draft the money from my account. They charged me XXXX plus late fees.. I called to complain and they asked me to produce a bank statement that could prove there were funds in the account. I did. 

The bank insist that there were no fund therefore the nsf and late fees. I requested my bank to produce the statement which reflects there were sufficient funds but they wont credit me back the extra {$40.00} they made me pay. 

Im still waiting for them to adjust or credit my account. And they dont want to. Now Im being forced to pay to prevent any problems with my account. 

I have made more than XXXX calls trying to resolve this with them and they keep ignoring my claim
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX
Consumer complaint received 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

We originally had an American Express card with an Annual fee of {$95.00}. In XXXX of XXXX I called to upgrade to a new American Express Hilton Rewards card with an incentive of XXXX or XXXX points ( Not sure. ) This new card had an Annual fee of {$390.00}. The original card had just renewed in XXXX, XXXX and they would not refund the annual payment if I upgraded the card, which was fine. They told us that we would have to close the original account in order to receive the incentive on the Hilton card. We instructed them to close the XXXX account. 
The incentive was supposed to be credited after we charged {$5000.00} or {$6000.00} on the card. This was done in two months. They told us we would be credited the Hilton points within XXXX weeks. 
We called last week inquiring about the points and were told that we were not eligible for them. My husband XXXX, whose name is first on the account relayed the above history. 
They claimed that they would research the issue and get back to us. They have not followed up. I don't believe they intend to honor the original deal.

So we have paid two annual fees, {$95.00} and {$390.00} and no incentive received.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc. (CO)

I received a letter on XX/XX/XXXX from Meridian Financial Services, a collection agency demanding a debt to be paid in a total of {$16000.00}, which was owed in XXXX from the original company XXXX XXXX XXXX XXXX XXXX XXXX in Florida, which I don't remember that I ever purchased the time share membership. Meridian Financial Services has filed a lien with my credit bureau for such amount. 

I has filed the dispute with Meridian Financial Services that I do not owed this money and asked the company to remove the lien from my credit but they refused.

I am also curious if the debt owed in XXXX that has reached the Statue of Limitation law ( assuming if this debt does belong to me ), does the collection agency violated the FDCPA and Statue of Limitations laws?

At this point, I'm contacting a local attorney who is specializing in FDCPA law to take care of this, but I don't really like that I have to pay for the attorney fee for debt that I do not owed. Any comments or suggestions are greatly appreciated.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (FL)

On XX/XX/2024, I opened 4 dispute under the case number XXXX, due merchandize not received. 
I never get any letter or correspondance about the claim, the status or requesting more information. 
I sent to the bank by fax XXXX XXXX XXXX the letter explaining the situation and also the invoices to support my case on XX/XX/2024. 
Now I noticed that 2 of the 4 provisional credit were reversed. 
Attached goes again all of the information sent and also a screen shot showing my mailling address.
Consumer complaint received 2020-11-30
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. (TX)

I have sent in a dispute to Equifax about Hard Inquiries on my credit report I have received a reply stating I had to call the creditor but they could not verify the inquiries on my report.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

Hello, I opened up a new account with Chase with a 15 month no interest promo and balance transfer option. I tried to transfer {$4000.00} on the new card and the workflow of their online system didn't work correctly so I could see it was executed. I called them up to verify and they had no record of the transfer. I had 2 open cc accounts and they failed to look at my other card for some reason. I received my credit card statement from the card I was making the transfer from today XX/XX/2019 and I had a {$3800.00} credit. 
I called Chase up and told them their online transfer system was not correctly working and they denied it. I told them that the their system auto defaulted to selecting the wrong card and didn't display any info regarding status or timelines. - it still doesn't reflect as of today. I paid off the card because I don't pay transfer fees. - This was my first one ever attempted. I closed both of my cards out with Chase today in principal for not waiving the fees. Please help me get my {$160.00} transfer fee back!
Consumer complaint received 2021-04-06
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : 01 XXXX  XXXX
Consumer complaint received 2020-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, CAPITAL ONE add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-21
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. (TX)

XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and Experian accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
Consumer complaint received 2020-11-30
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: Convergent Resources, Inc. (NC)

On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCI has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (DC)

On XX/XX/2021, I took the bait of a fraudulent email purportedly from XXXX XXXX regarding a change in my subscription. I spoke to one XXXX XXXX in the Security Department at the number given ( XXXX ) who explained that the charge had been activated accidentally. I provided him access to my checking account ; but he transferred {$500.00} from it to Skrill instead. So I called XXXX, which pronounced that a scam. ( XXXX case no. XXXX. ) Skrill stated in a XX/XX/XXXX email that the transfer would be cancelled and that amount would be refunded to my bank account. On XX/XX/XXXX, Skrills XXXX confirmed that the transaction had been cancelled and the funds were still in the U.S. On XX/XX/XXXX, I received another email from Skrill, which reiterated : Your money transfer to XXXX XXXX has failed. Your deposit will be refunded. ( Transaction XXXX ) .It further stated in a footnote that any remedy against Skrill would be a refund of the transaction amount. 

By XX/XX/XXXX, however, Skrill still had not issued the refund, so I called again and was told to expect a response by email. On XX/XX/XXXX, I was notified that my account had been closed. Additionally, we have applied an administrative fee for the amount of {$50.00} leaving your balance to be XXXX USD. 

Instead of such blatant malfeasance, I expect Skrill to refund my {$500.00} in full without further delay.
Consumer complaint received 2021-06-22
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. (CA)

I hope you can help me with this issues I am having with the credit bureaus. Back in XXXX of this year XXXX notices on my reports there were some collections that were not mine. I have attached the disputes to this complaint. This is now XXXX and these items are still on my reports. WHY??? I can see that they have me as a mixed file with my mother so why is it taking so long so fix this problem. I am hoping you can make this look into this and remove my mother collections from my reports.
Consumer complaint received 2020-11-30
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. (LA)

On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of Equifax Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (IL)

I have a XXXXXXXX XXXX Store Credit Card where I make minimum payments of about {$32.00}. I recently have gone through financial hardship and I have been late on making a few payments. Was 30 days past due for the month of XX/XX/XXXX and XX/XX/XXXX, 60 days past due for XX/XX/XXXX. Called XXXXXXXX XXXX to see if they can wave a payment but at the time said it was not possible.
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (KY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KS)

Sam 's Club advertises their Sam 's Club Mastercard, which contains various benefits for the consumer like 5 % cash back on gas. On their credit card advertising page they focus on the benefits of the Mastercard. They do highlight that the Personal Credit Card ( not Mastercard ) does not get you all of these benefits, BUT they never highlight that when you apply for the Sam 's MasterCard, if you get denied for it, that you will be AUTOMATICALLY applied for their " Personal Credit Card '' which contains none of the benefits.

To further clarify my point. They do indeed highlight that the " Personal Credit Card '' does not contain the benefits of the MasterCard BUT they do NOT highlight that you AUTOMATICALLY get applied to the " personal credit card '' if you get denied for the MasterCard.

This was very problematic in my case because I did not get accepted to the MasterCard offer, and got automatically accepted for the " Sam 's personal credit card '', when I was ONLY interested in the MasterCard options due to the cash back benefits. If I would have known that I was denied from the MasterCard option, I would have never applied for the " Sam 's Personal Credit Card '', since it does not contain the cash back benefits.

After realizing that I got accepted to the " Sam 's Personal Credit Card '' and not the MasterCard option, I called the customer service to ask for clarification on why I got approved for the personal credit card and not the MasterCard, when I thought that I was only applying for the MasterCard option. They ultimately let me know that when you apply for the Sam 's Credit Card online, if you do not get accepted for the MasterCard, then you automatically get applied for the " Personal Credit Card ''. This is something that is not clear when you are applying for this card. Even if you read the small grey print on the bottom of the advertisement page, they never clarify this point. If they would have clarified this, I would have never applied for their card in fears that I would have not been accepted to the MasterCard option, which is the only option that offers cash back benefits. 

Ultimately, after realizing that I got accepted for a credit card that I did not believe I was applying to due to lack of clarity/information on the application and advertising site, I went ahead and canceled my account with them since I was not interested in that card. I do want to note that this all happened in the span of a single day ( XX/XX/2021 )