davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$0.00} XXXX {$14000.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$320.00} XXXX XXXXXXXX {$1000.00} XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

THURSDAY XX/XX/XXXX I went to my bank to deposit {$2400.00} in cash into the drive through ATM. I got a receipt and noticed that it said I have {$0.00} on my account. The Branch closed the minute I walked up to fix it. I called Bank of America to get my money and they said my account was closed that day as of XXXX ( which i didnt get notified of ) and to call recovery department on that friday because they can refund my money but there department was already closed for the night. The following day I called and they said they will put it in to where I will get it by Monday XX/XX/XXXX at the latest and my account closed the day before I deposited the money. I told them I needed the money for my sons school and for my house deposit. I talked to over 10 representives over the last few days and keep getting different stories and i've still no money. A few representivies said I need to call my lawyer because i'm suppose to get my money in cash. I went to that bank and they said they cant give me my money. I have different names and departments written down and been transferred to different people and been told it will be up to 90 days for me to receive my money.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (PA)

Please stop this company from harass my for a debt I do not owe this company said I owe a debt when I was deployed from XXXX of XXXX to XX/XX/XXXX I am a victim of identity theft when I accrued I inserted and extending fraud alert to contact my before and new accounts was opened in my name and this company file to do so. I understand that mistakes happen all the time that's why I asked for a investigation the company then reinserted the account on my credit report so now I'm making a compliant because I need help resolving this issue with this company
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (TN)

While attempting to set up new utilities at my new home in XXXX XXXX, XXXX I was informed that due to bad debt I was required to pay deposits. I then was told that someone named XXXX XXXX and XXXX XXXX are using my social security number to obtain utilities in XXXX, IL. I then filed a police report the same day with XXXX Metro Police Department as well as contacting XXXX XXXX XXXX XXXX XXXX. I spoke with their customer service and submitted the requested paperwork verifying I am the rightful owner of the social security number and for them to stop allowing these people to use my information illegally. I was told I have to prove to them I am the rightful owner of the social security number, even though this company did not make the thief verify their ID. 
I am now obtaining a ton of documentation to prove I have lived in XXXX, XXXX for the past 20 years and have never owned property in the state of IL. I have no knowledge of these people and can not understand why this allowed to continue, given her address is known.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Management Solutions, LLC (MD)

FMS Financial Solutions placed a collection on my credit file XX/XX/19 in the amount of {$9800.00}. When I asked for verification of this debt ( signed agreement, relationship documents or payment history ) as I am entitled to under FCRA and FDCPA. I did not receive any documentation that would justify this account reporting on my credit report. 
When I contacted them by phone I was sent directly to voice mail, placed on hold for extended periods of time or hung up on. In my attempts to file a civil suit in XXXX MD, I could not get this case to go before a judge. This gives a clear indication that the system designed to protect the consumer no longer works.These type of predatory practices by FMS Financial Solutions should be deemed unlawful. 

FDCPA violations : sections 604,605A,606,607,609, ,610,611,616,617,623 FCRA violations : sections 803,804,805,807,808,809 and 813 Each violation carries a fine of {$1000.00}
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

I have 2 debt collection agencies that state I owe medical bills from dates that I no longer even lived in the state! I have attempted over and over again to dispute them and explain that it was not me but they refuse to believe me not to mention the privacy laws so Im quite upset with trying to resolve this with them because of them my credit score has been negatively impacted hugely!
Consumer complaint received 2021-05-06
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 (TX)

An unauthorized charged was made on my Capital One credit card from XXXX XXXX. When I noticed about 2 days later I contacted the company who told me that I had to cancel and didn't want to return my money back. This service was not used and told them I purchased this service for only 1 year and never authorized them to charge my card on a yearly basis especially when I was never notified. I called the credit card company and filed a complaint about XXXX XXXX illegally charging my account. And I also told them to close my account and issue me a new credit card. They did. They requested information from XXXX XXXX which cleary stated that " customer did not use service but didn't call us to cancel ''. I called them and they keep giving me the run around since last year.. Capital One then told me that I should settle my case myself since I " willingly give my credit card information to them '' that they had the right to change me. I presented them a letter which stated i did not authorize XXXX XXXX to use my credit card. Then Capital One went ahead and replaced the charges on my new credit card and refused to give me my money back. Theh keep referring me back to XXXX XXXX and XXXX XXXX keeps referring me back to Capital One. This is the worse credit card company that prey on law-abiding citizens that has no morals nor ethics.
Consumer complaint received 2022-11-16
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. (MI)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2022. I was in a store trying to use my Capitol One card and a transaction was declined to my surprise for {$3.00}. The keypad said the card I used was invalid. I then went to another store to use the credit card at XXXX XXXX ( about $ XXXX {$4.00} ) and it said the card was invalid. On XX/XX/2022 I called Capitol One to find out why the card was declining and a guy by the name of XXXX said he wasn't sure what happened and read a letter to me that was never mailed out. The letter said I did something wrong. He kept me on hold for about 5 minutes looking for collections and customer service, but he couldn't answer a lot of the questions I had and seemed confused during the duration of the call. The credit card has a low balance and is still not working at registers. I have yet to receive a letter in the mail that makes sense.
Consumer complaint received 2020-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (MN)

I contacted this company in regards to a delinquent account they are reporting on my credit report. I asked them to validate this account and they have yet to do that. On top of not validating the account they never marked this account as " disputed by consumer '' on my credit report.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MA)

On XX/XX/year>, I opened a XXXX XXXX XXXX Account ( online ) with M & T Bank. I was immediately approved, provided an account number, and received a debit card in the mail several days later. 

In the ensuing days, I attempted to transfer money into the account, however the " trial deposits '' that I arranged for ( from an existing bank account I have ) never showed up in my M & T Account. 

This particular checking account had a promotional bonus attached to it, in which I was to be given {$350.00} for maintaining a {$10000.00} balance through XXXX and XXXX, 2024. 

As I was unsuccessful in transferring funds into the account, I moved some of my own assets around, and brought a check to the XXXX, XXXX  branch of M & T Bank on XX/XX/year>. Initially, that morning ( on my way to work ), I attempted to deposit a check for {$10000.00}, via the on-site ATM, but this transaction was rejected without further explanation. Later that day ( on my way home from work ), I stopped by the ( same ) XXXX, XXXX  branch, and attempted to deposit the check. The teller informed me that they were unable to deposit the check, possibly because of the size of the check, or possibly because I " waited too long '' to make an opening deposit. I was asked to wait for a Banker to discuss the matter further. My meeting with the Banker ended similarly, with the Banker unable to make the deposit into my account, and ( this time ) claiming that " it was for security reasons. '' Later that same day, I called M & T Bank ( I assume the national main line ), to inquire about what, exactly, was happening. This time, I was told that my account had been closed the prior day, due to my failure to complete a " XXXX document '' which I, in fact, had never even received. 

I was told that my account was unable to be reactivated, " for security reasons. '' I was told that I could try to open another account if I chose. I went back and read the terms of the promotional bonus that I had signed up for ( on my original account ), and it indicated that I would be ineligible to receive this bonus ( if, indeed, I went through the hassle of opening yet another M & T XXXX  account ), as I had an account closed within the past 180 days. 

So now, it appears that I'm more-or-less " stuck. '' I have no idea why M & T chose to close my account, but it most certainly seems that, perhaps, they did so to avoid paying a bonus that they were obligated to pay upon my meeting the terms associated with it. This sort of practice appears to me to be rather transparent and unscrupulous.
Consumer complaint received 2022-04-27
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: CITIBANK, N.A. (NV)

I made 5 charges on TWO separate CITI credit cards. They were for a cruise on XXXX XXXX beginning XX/XX/XXXX. 

XXXX. XX/XX/XXXX {$5300.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$10000.00} ( card ending XXXX XXXX. XX/XX/XXXX {$2900.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$1000.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$2600.00} ( card ending XXXX ) On XX/XX/XXXX I cancelled the cruise and disputed the charges. Shortly after XXXX XXXX went out of business. 

# XXXX was found in XXXXXXXX XXXX XXXX  on XX/XX/XXXX and I requested it be reviewed again. It is still pending. 
# XXXX was found in my favor on XX/XX/XXXX. The {$10000.00} is permanently off my account. 
# XXXX, # XXXX and # XXXX were all found in XXXX 's favor on XX/XX/XXXX and I must pay. I have requested they be reopened and they still show closed in XXXX 's favor. 

And by the way there were additional charges in XXXX cards and all were resolved quickly in my favor. 

XXXX XXXX has gone out of business and could not possibly deliver on what I purchased. 

CITI cards need to resolve this quickly. Please help!
Consumer complaint received 2020-09-06
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. (PA)

To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX County Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I have been disputing this unverified account with the collection and Credence resource has not sent me any proof. On XX/XX/2019 I mailed out a letter requesting proof the and had no response. I called credence resource on XX/XX/2019 and the lady that answer would not answer my questions. This debt is not mine and they just don't want to corporate, its an error on there behalf. They have me confused with someone else and it is not right.
Consumer complaint received 2022-11-16
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. (NJ)

IN accordance with the fair credit reporting act, The last of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account Name XXXX XXXX XXXX ... Account # XXXX Account Name XXXX .... Account # XXXX Account Name XXXX XXXX .... Account # XXXX Account Name XXXX  XXXX .... Account # XXXX Has violated my right.. 
15 u.s.c. 1681 section 602 A, State I have the right to privacy.

15 u.s.c. 1681 section 604 A, section 2 it also state a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c. 1681 c ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing.

15 u.s.c. 1681 section 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency. if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-03
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 (IL)

Disputing {$50.00} charges on XXXX dates from XXXX XXXX XXXX to my credit card account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Some charges happened when my credit card was locked ). The amount is in error because, in XXXX of XXXX, I updated my payment method and removed my card from the account. Per the XXXX XXXX XXXX policy, customers can do so if they need to change or update the payment method. Nowhere in the agreement states that the company will keep deleted information and use it later. Furthermore, the company tried to charge my credit card and the other accounts I had on the website. They only tried once to set the monthly fee of {$140.00} once but at no time did I authorize XXXX dollar payments to be withdrawn from my account at any time of their choosing, as they indicated by their false and misleading authorization information. Would you please reach out to XXXX XXXX XXXX and ask them for documentation on where I authorize the {$50.00} charge? Also, I reached out to XXXX XXXX XXXX about the unauthorized charges ( See emails ). I was informed that changing and deleting my past billing information doesnt stop them from charging that account that isn't authorized to be charged. I asked them to stop debiting that account, and they refused. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I request that Capital One take no further deduction from the credit card account until the notice of termination period has expired. Enclosed are copies of emails I sent regarding this issue supporting my position and experience. Furthermore, looking at my credit card statements, I didnt use that account to make a payment with XXXX XXXX XXXX since I updated my information in XXXX. Please correct the error on my account as soon as possible.
Consumer complaint received 2024-01-30
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. (PA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2022-04-27
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: ENCORE CAPITAL GROUP INC. (TX)

FRCA Violation credit card XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN FRCA Violation collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$540.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$380.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$3100.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$2400.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

i recently check my credit report on XX/XX/2021 and notice that XXXX  was reporting some inaccurate information concerning tradelines, name, address, and job also Equifax is reporting inaccurate information with my name, address, and job that needs to be corrected.