davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, I am looking over my credit report and for the past few months XXXX is the only company that show 's my XXXX 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as XXXX 's. I have provided a screen shot of XXXX showing I have a XXXX 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Consumer complaint received 2017-11-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (CT)

Hello, In XXXX I was approved for 3 separate products, One a Home Equity, A personal loan in which I paid off and a business line of credit. The business line of credit is the product I have an issue with. The manager of the bank that processed the loan stated that the business loan did not have to be paid but that the interest of the loan would have to be paid on a monthly basis. I was paying the interest with no problem. If TD Bank needed payment for the loan why did n't anyone contact me with that request? 
I was taken to court back in XXXX and again in XXXX by the banks Law counsel. We sat down with their lawyer and a Judicial administrator to come to a mutual agreement. 
I brought all my documents as proof to me paying the interest and in the document it states the amount in which I owed. The administrator wanted to see her /counsels documents. for the amount she was demanding for the bank. according to my records the balance was XXXX. TD Bank charged off on my loan back in XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The TD bank recovery team went into my business account and withdrew XXXX I was n't notified on this. I was doing business at DMV and my bank card declined 2 times. So I called the bank and they could n't give me any information. 
Since then, I had numerous return check fees, I was in the negative. The first representative in the recovery dept I owed {$2900.00} on the account I spoke with Mr XXXX of the recovery team and he demanded I pay well over XXXX dollars per month. I explained that I had been a good customer of TD bank and that i could n't afford to pay that. I also mentioned the XXXX amount he said I owed a lot more than that. I was willing to pay {$170.00} He told me NO. 
I 'm curious to know why they need more money when in fact my balance was XXXX and they took XXXX which leaves XXXX, On XXXX XXXX XXXX XXXX XXXX from the recovery dept took another XXXX from my account. That total is now an additional {$1800.00}. 

To my knowledge a charge off is insurance paid to cover the loan. 
Now the bank is double dipping sending the loan to their in house recovery team. 
They have received their money twice and are trying to get more, in which as a tax paying citizen is unlawful and quite fraudulent on their part. 
I have documents attached for your review.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

I was on an XXXX XXXX flight and received a brochure for their credit card. The pilot and flight attendants talked about the card. They said signing up gets you XXXX miles when you make a purchase within 90 days of getting the card. Fast forward to now two months and they are not trying to give me the advertised miles, I even have the brochure for evidence with the flight attendants initials and code used to register. I have reached out three times and they have not got back to me or even tried helping me in any way. I am coming here for some kind of help, because this false advertising could lead to a lawsuit. I will report them to XXXX  if this does not get resolved.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (CO)

I received in the mail a is for a collection letter from MRSBPO LLC is the LLC out of XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. This was an attempt to collect a debt is a debt and the creditor is XXXX incorporated. That gave me an official looking letter and they are trying to collect a balance of {$150.00}. I called both numbers and could not get a person to talk to and they actually hung up on me and I left a message on the Colorado line and nothing happened. I feel this is a scam.
Consumer complaint received 2021-03-31
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 (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-03-26
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: EQUIFAX, INC. (SC)

I have not been able to see my Equifax Credit report since XX/XX/2017. I have called in several times I have case numbers where customer support promises to fix this. I have no problems with other bureaus. I only can access the dispute part of MY EQUIFAX product. When I go there I see 4 XXXX XXXX  account. I reported these duplicates and called customer support who told me they saw the duplicate only to later see they added another in the dispute area ( this is all I can see ). My credit score is unknown to me and does not show up on any sites or product that do show my other bureaus credit scores with no issues. I have not seen my score since XX/XX/2017
Consumer complaint received 2021-07-01
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MT)

My name is XXXX, XXXX my account with Credit Karma money spend has been about a week now and I have had a large deposit into my account shortly after a payment was taken out too soon, which caused a reversal to take place. Soon after this transaction was reversed my account was locked. I have made several times to contact Credit Karma money, spend account representatives, one of which requested that I upload a copy of my ID while still on the phone with them and not to hang up. I felt unsafe in this act and discontinued. The call Ive been reached out via messages through the chat section of their website through the mobile app on XX/XX/XXXX. I logged in with my email several times three times I had no solution and the chat was ended abruptly my final attempt was through the hotline through the website with the number provided for money Karma spend account. I spoke to a representative, XX/XX/XXXX which did absolutely nothing for me and answered no questions they were only able to tell me that my account was being locked by a third-party and reviewed and that I would hear from someone via email which I never have and have not to this day. It has been going on four days now, I spoke to a supervisor XX/XX/XXXX which told me the same thing that he can not help me that he will not unlock my account and that a third-party did not tell me who was reviewing my account, and that they were going to continue to keep it locked until this third-party reached out to me via email. Also, this third-party is not reachable and they have no information on them or why my account is locked and how I can get in touch with these people who are reviewing my account. This is very bizarre and is very frustrating and I am extremely upset Im dealing with financial hardship and after opening this account, it is causing even more problems financially for me and my family of XXXX children XXXX of which are XXXX and desperately need me to have access to my funds. I have not received any email from anyone regarding my account being locked. I am getting impatient. It has been too long. This is not a matter that has being escalated as they said they had escalated it. They gave me no ticket number. no nothing I am getting the cold shoulder and complete brick wall from Credit Karma money spend account representatives, and lastly, the supervisor that absolutely did not help me at all. Ended up disconnecting my call abruptly for absolutely no reason at all essentially, he hung up on me. I am facing serious financial trouble. If I can not get access to my phones right now, please reach out to me via email or phone XXXX or through the app or this email I also have another email that was previously used on my account is is XXXX. I hope there is a solution to this as I am new to this account only a few days now and I am completely devastated with what is happening to me right now and my family is suffering severely due to this completely unacceptable action by Credit Karma money account.!!
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AVANTE (SC)

Avante is reporting a medical debt as of XX/XX/2021. I have not resided in Florida for over XXXX years. So this is not my debt or Avante is in violation of the FCRA posting an old debt as new.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NY)

I applied for a credit card with US Bank on XX/XX/2023 and got approved the same day. I never received the card, and when I called the bank I got transferred multiple times between their different departments. After I called and told them I would like to close my account. I am still waiting for a response from them to close my account.
Consumer complaint received 2021-07-01
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: WELLS FARGO & COMPANY (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (CO)

Truist will not release our funds and close our account without personally visiting a Truist branch, claiming the account is dormant. We've been accessing and monitoring the account for years virtually. We live in XXXX  and the closest branch is states away. They are holding a LARGE sum of our cash and paying pennies per month. Closing our account should not require expensive travel. The bank refuses to make any other accommodations for us to move our cash.
Consumer complaint received 2019-06-07
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. (MN)

I have disputed the late payment status reported on XXXX XXXX XXXX****,  XXXX XXXX**** ', XXXX XXXX**** with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-06-07
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. (MN)

I have disputed the late payment status reported on XXXX XXXX  XXXX, XXXX XXXX ', XXXX XXXX with the credit bureaus for several attempts, to no avail.. They did not give me evidence or verification as to why they will not overturn the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants placed a collection for XXXX XXXX XXXX on my credit that does belong to me. They had no record or proof that my name was associated with the collection. These people are ruining hardworking individuals lives by placing fraudulent accounts on your credit.
Consumer complaint received 2022-03-01
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. (OH)

In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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 A complaint has been filed with the XXXX. Case number is XXXX.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TIDEWATER FINANCE COMPANY, INC. (MO)

I was in a car accident. I have tried to return the car and the finance company declined. I stopped making payments on the car because of the accident of the vehicle. They have since been asked to pick up the car by myself and they have not as of today. The damage done to the car is not worth the loan.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am one of the victims EQUIFAX DATA BREACH. I never received any emails or any letters from them regards to filing a claim. However I checked my eligibility On their website And it confirmed that I am one of the victim. 

Today I spoke to the representative and I explained her the situation and she said she can not help unfortunately because the deadline has been passed. The question is how would I know if I am one of the victim of their identity theft? Received any documents anything from them regards to this issue. And I requested the representative to speak to a supervisor but unfortunately she could not get a supervisor to speak to me according to her. I would like to file a claim and process the claim like others. Once again I never received any notifications any letters any emails from them regards to the settlement or filing a claim.
Consumer complaint received 2024-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NE)

I hope this letter finds you well. I recently reviewed my credit report and observed late payments reported for my XXXXXXXX XXXX  XXXX XXXX XXXX account, specifically in XXXX 2018.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-06-07
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. (MN)

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX CO XXXX
Consumer complaint received 2019-06-07
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. (MN)

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2018-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I sent a SEPA transfer to Coinbase on XX/XX/XXXX. My bank says it 's in their account. I responded to Coinbase questions on XX/XX/XXXX about my processes, and determined my processes were sound, which leads me to believe something criminal is occurring. 

1. The ID Verification is completed, as I sent a SEPA transfer once before, onXX/XX/XXXX, 2.  SEPA is therefore added as my Payment Method 3. The names match across accounts 4.  The currency I sent money in was XXXX 5. In sending the money, the XXXX, XXXX, and references number were included. The Ref No : is XXXX My bank said the money was out of my account Thursday XX/XX/XXXX. 

My case number # XXXX Please find attached details of the bank, which I used two days prior to wire money.
Consumer complaint received 2019-06-07
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. (MN)

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX**,
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (TX)

I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.