davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION (TN)

For several months Regions Bank has charged me fees for paying overdrafts on charges they rejected and charged an NSF fee on. Each fee is {$36.00}, so I'm being hit with a {$72.00} fee for everything they return. It's costing me hundreds.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol one has committed fraud by allowing {$450.00} I spoke XXXX ID XXXX in the Fraud and Disputes department and they still show the charge on our. I requested to open fraud case to be open XX/XX/23 at XXXX CST and she refused. Please assist us this matter. She unable and unwill to transfer to a higher level supervisor or teammate, I have provided documents showing I don't own the money.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, This is in reference to closed case # XXXX. If you open up the case you can see all the notes. XXXX  XXXX XXXX noted in several documents within the case that only one inquiry was sent to Transunion on XX/XX/XXXX for opening up a credit card account. 

However, I spoke to Transunion today and they're still claiming they show two inquiries from XXXX  XXXX XXXX on XX/XX/XXXX on my file. Transunion was not helpful in providing documentation of this only to tell me XXXX  XXXX XXXX needed to send them a Letter of Deletion to the following address XXXX XXXX XXXX XXXXXXXX, PA, XXXX Transunion also told me I needed to send a letter authorizing Transunion to remove an authorized inquiry from XXXX  XXXX XXXX. Transunion gave me this file number : XXXX. 

This is very frustrating as neither side seems to take ownership. 

Please reach out to me, as I need this inquiry off my Transunion file asap. 

Thank you. 
XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2023 my card was somehow used at an atm machine in a different city and they took out XXXXXXXX XXXX Ive had my card with me at all times and I was home the same day they took my money I submitted a dispute and it got denied I was asked to write to them so I can receive the documents they wouldnt give me any information on the phone regarding there decision they said I had to write a letter so I did and I havent heard from them its been almost 2 months and still no information regarding there reason for not refunding me my money
Consumer complaint received 2021-10-19
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. (TN)

I have reached out several times to have this issue corrected and I have never received a response back. I was out of work due to COVID and had a loss of income and missed a payment. Before COVID I had a stellar payment history and never missed a payment, also all my deductions going forward are on auto-draft to avoid any late payments. XXXX XXXX is in clear violation of this matter due to the CARES ACT.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX. I received a phone call from a debt collector a few weeks about attempting to close an account for non payment. They were really rude and disgusting and threatening me. I informed them I had no clue what they were talking about, as I did not open any accounts with them. After this phone call. I found out that there are more accounts and that I am a victim of Identity theft. I couldn't believe that someone would do this to me. I am a single dad, I loss my wife earlier this year after the birth of our XXXX XXXX  and things have been really tough for me and my XXXX  and to find out I have this now on my list is really heart breaking. I contacted the company about these accounts and they have not deleted these items. I am asking that you please deleted these items off my credit report. I did not make the charges.
Consumer complaint received 2023-03-22
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, Capital One XXXXXXXXXXXX Capital One  XXXX, XXXX XXXX, Capital One XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XXXX of 2020, I requested my mortgage company, XXXX XXXX, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on Experian ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time.

1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

In a response to a promotional mailer I received from TD BANK I opened and funded a Checking Account ( XXXX ) on approximately XX/XX/XXXX. The 'Printing Code ' on the mailer identifying the specific mailer was XXXX '. 

The 'Promotion ' offered a {$300.00} Bonus for opening a 'TD Beyond Checking Account ' if the following steps were followed : 1. Offer valid XX/XX/XXXX - XX/XX/XXXX and available only to addressee on mailer 2. Offer NOT Available to existing Checking 'Customer ' or prior 'Customer ' having bank relationship within prior 12 months. 
2. Make {$2500.00} in direct deposits within 60 days, as well as other minimum balance requirements that the Bank acknowledged I met. 

When I completed all of the requirements and the BONUS did not appear in my account, I called 'Corporate ' customer service a number of times and was finally told that I had to contact my local branch to handle the situation, which I then did. 

The crux of the issue was that AFTER I applied for and opened the account in question, TD Bank changed the parameters as to who could receive the Bonus. Currently ( but NOT in XX/XX/XXXX XXXX, the 'DISCLOSURES ' section of the offer has XXXX additional sentence that the original mailer did NOT as follows : " Customers who received a bonus on a prior checking account do not qualify '' Clearly, TD Bank realized that they had omitted this stipulation in error and probably experienced other complaints similar to my own. 

The local branch 'explained ' the refusal to honor the Bonus by citing the following final sentence from the current DISCLOSURES section of the mailer I received ( this is the sentence that ONLY appears in the current version of the DISCLOSURES ) " One bonus account per Customer and can not be combind with any other offer ''. 

Since I had received a pst Bonus, even though it was greater than 12 months in the past, they quoted the NEW, ADDED sentence and refused to honor the offer as was stipulated in the original mailer. 

I opened only ( 1 ) Checking Account, and I did not 'combine ' it with any other offer - I do not see how this invalidates my position! 

I have copies of all mailers, documents, etc, should they be required. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MO)

Purchased new appliances from JC Penney XX/XX/2020, after speaking with the store rep in the greater XXXX XXXX area, and section manager we were told to sign up for the store Credit card. We did. we were also told at the time that any interest charged when promo period expires would be on balance owed NOT entire balance over time. Auto payments were set up and processed. while setting up auto payments I called for assistance and was told over the phone that yes interest would be charged on any outstanding balances only. XX/XX/2020 statement shows interest was charged on entire amount, in the amount of {$1400.00} when the owed balance was approx {$670.00}. I was not notified promo period was expiring either. called in for resolution however was told there is nothing that can be done to reverse the fee or even correct the fee and that my only resolution was a {$39.00} credit with no one else to contact. I was lied to twice. I took notes and have them for my reference.
Consumer complaint received 2021-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In the process of removing the last incorrect items from my account. Unfortunately, despite Transunion previously removing this item from my account, this collection item, Account name XXXX XXXX, Account number XXXX, still wrongly persists. This collections agency has violated the FCRA in the following ways : 1. Knowingly disseminating incorrect info : the apartment knows the information is incorrect, as does the agency. Thats why the other two bureaus have removed this item from my report. The agency is using lowering my credit score as a way to get me to pay just so theyll go away regardless of the accuracy of the info.

2. Not stating that the bill was disputed : the underlying amount ( both in amount and the very existence of the debt ) is hotly disputed. The apartment and I have disputed the existence of this debt under applicable state law for the past year but the agency is presenting this bill as if it is undisputed. This violates FCRA 623 ( a ) ( 3 ). Transunion is similarly enjoined from reporting this information that is verifiably inaccurate.

3. The agency has failed to report a date of delinquency as required under FCRA 623 ( a ) ( 5 ) ( A ).

4. Because certain information was not reported/verified, the agency was required to modify, delete, or permanently block its reporting under FCRA 623 ( b ) ( 1 ).

5. I attempted to dispute this debt with the agency but it did not investigate as required under the FCRA, particularly Furnished Rule 660.4 ( a ), ( e ). These are just the glaring examples.

Again, this item was already removed but the collections agency submitted it again. I am reaching back out to counsel. I would appreciate it if Transunion did the right thing and removed this incorrect item, again. Thanks!
Consumer complaint received 2021-06-06
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: FIRST CITIZENS BANCSHARES, INC. (TX)

Upon reviewing my credit report, I noticed that XXXX  was reporting a credit inquiry on XX/XX/2021 from First Citizens Bank, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with XXXX. I did so and XXXX  completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by First Citizens Bank on the date mentioned. However, neither First Citizens Bank nor XXXX  could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the First Citizens Bank system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.
Consumer complaint received 2020-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

2 new derogatory accts by debt collectors on my credit report. I have no knowledge of the debt .... could not get anyone to prove this is not a scam. Got no response to prove original creditor and contact only to debt collectors. XXXX XXXX Tx. Is well known to the XXXX XXXX XXXX and listed D+ rating due to scams and consumer complaints. XXXX XXXX is another one same story. I am trying to purchase a home and my credit rating has now dropped 100 points ... .. The dispute process with TRANSUNION IS SO DIFFICULT, I feel helpless to deal with this issue and get it off my credit.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (CA)

I have been contacting this company since XX/XX/2020 asking to exercise the buy out option since it has been 5 years. I was ignored and promised a response over and over again. i wrote 11 letters called 10x and send 6 emails with no response. finally on XX/XX/2020 Ms XXXX responded to me and advised me they would take the XXXX buy out option and I advised her I would pay it on XX/XX/2020, I asked her to send me an email or a letter something stating that the XXXX would be the buy out and an address were to send the payment. I received nothing, I called her again on XX/XX/2020 and asked her again for something in writing and a payment address, she let me know someone from legal would send me something. Today is the day and I have nothing still. I can't send a payment to the previous address because the last 2 payment I send and I have proof of still have not posted to my account. I am not sure why they are not posting my previous payments. I need a letter stating the XXXX is the buy out amount and an address were to send the payment or how to make the payment. Please help, your company was able to get them to call me so I hope your company is able to get them to send me the documents to get this taken care of. This is their contract I am going by they should be forced to follow their own contract.
Consumer complaint received 2020-12-01
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)

I have reported this account to Experian showing them how they are reporting this account incorrectly. The last time I reported this account to Experian, on XX/XX/2020, they send me a result reporting this account was verified and that the information on it was updated and reported as correct, or accurate. 
How can it be possible this account is ACCURATE when this account is reported as 70 charge offs?? 
I have also contacted XXXX XXXX and they havent responded to me at all. How can they keep reporting this account without providing me ANY proof of this account? And then to report this one account as 70 CHARGE OFFS! 
Surely this has to be against some kind of regulation? They are continuing destroying my credit by reporting this account wrong, but it almost seems like theyre doing it on purpose to damage my credit more? 
I have attached Experian 's response.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (VA)

Barclays sent a random physical letter ( this was their only form of communication ) while I was traveling and out of town requesting I verify my identity within 30 days or they will close my account permanently with no chance of reopening. 

I check the mail when I return from traveling and find the letter after they closed my account. 

I then called over five times requesting to reopen my account and was denied every time, even though I have a perfect payment history for over 7 years, it makes absolutely no sense at all.

I did nothing wrong and they don't email their customers, they don't provide updates in their app or on their website, and they do not call for their customers for this, all of which I confirmed in an audio recording with a supervisor the last time I called.

I want my account reopened, this is one of the reasons the CFPB exists, it is the definition of unfair.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc. (FL)

In late XX/XX/XXXX, I received a phone call followed by a collections notice from XXXX, XXXX XXXX XXXX claiming that I owe XXXX XXXX {$730.00} which is completely false. I asked them to send me the original invoice from XXXX as proof, showing the debt since I don't owe anyone anything that is past due. Instead, they sent me their own invoice asking me to pay them, a total stranger, the {$730.00}. Since XXXX, I have a XXXX XXXX life insurance policy which I pay annually via auto bank draft and that policy is currently paid thru XX/XX/XXXX. I'm a XXXX XXXX XXXX and licensed Insurance agent of 26 years so paying bills on time is mandatory for my career standing. My credit history goes back 38 years and is rated EXCELLENT since I have NEVER had one single late payment and my credit score has consistently been well over 800. I also filed a dispute with XXXX since that is the credit bureau where this false and erroneous debt collection appears, however, you can't speak with anyone in the USA. XXXX only has offshore customer service personnel in foreign countries who are very unresponsive and non-caring as to resolving this issue.
Consumer complaint received 2021-10-19
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. (CA)

Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX  XXXX  XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, 2021 - XXXX  XXXX  - XXXX. XXXX, 2021 - XXXX  XXXX. 

XXXX XXXX, 2021 - XXXX