davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA (PA)

Payment electronically sent from my checking account to credit card account on XX/XX/2018 ( due date XX/XX/2018 ) but was not received by credit card company until XX/XX/2018. I incurred a late fee and interest charges as a result of the late payment. My bank would not accept any responsibility for the payment taking 8 days. Credit card company would only reduce late fees and interest charges by 42 %. I asked my bank to cover the remaining charges and they refused.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had an issue with an account not belonging to me on my credit with we financial. I informed all three bureaus along with the original creditor. The original creditor agreed to remove accounts hints the letter Ive attached. XXXX and XXXX have removed account. However, Experian validated this account and has yet to remove it. I previously sent a complaint to the cfpb and for whatever they said they couldnt verify me. So Im submitting my Complaint AGAIN along with proof of deletions with this account
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My issue is with TransUnion and their credit freeze service. I initially added a credit freeze to my report but at a later date decided to remove the freeze. I logged into their site and initiated the removal of the freeze from my account. My PIN was accepted and the freeze was supposed to have been removed. With the next application for credit, I was informed that my TransUnion information could not be pulled as there was a freeze on the account.

I attempted to perform the removal steps over the phone but my attempt was rejected as my social was identified as not have a freeze in place. Again, I asked the financial institution to try and again they reported the freeze was in place.

I have now contacted TransUnion by phone twice to try and have the issue resolved. Each time a story of a synchronization issue was created and I was told that they would request a " resync '' of the account to correct the problem. Each time the result was that the account still appears as frozen with no real path forward.
Consumer complaint received 2017-12-09
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. (PA)

Address/Previous Address ( es ) Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is XXXX XXXX XXXX I do not live here nor have a lease here nor a Mort from the bank for this said address. 

This unit is in some one else name and belongs to them not me nor have I ever been to the building or rented or lease.
Consumer complaint received 2020-08-20
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. (IL)

fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXXXXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXXT is fraudulent on my credit Acct # XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX on my credit Acct # XXXX is fraud.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NY)

To whom it may concern, by FDCPA any debt collector must be able to provide full validation : original contract with my signature on, cancel check, contractual agreement with original creditor show that you have the right to collect this debt, .... ).

A screen shot does not constitute an admissible validation according to the FDCPA. Not providing this constitute a violation of the FDCPA and make me entitle to monetary damage of {$1000.00} per entry. Please provide documentation or I will pursue monetary damage and a complaint with Federal Trade Commission will be filed if account is not remove from my credit file immediately.

Thank you in advanced for your quick response.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Services, Inc. (AZ)

I received a letter from ARS signed by XXXX XXXX. This is a collection letter for healthcare services my spouse received. We have 2 insurance companies. The claims were not sent to XXXX first and then to XXXX so they have not been processed correctly, after repeated phone calls to XXXX XXXX of Arizona. I called ARS to first, remove my name from the letter as I am NOT my spouse 's guarantor and should not be receiving his HIPAA protected information. And the man that answered was EXTREMELY rude and said I have to send in his driver 's license to take his name off. And I said, no I do not but in any case the claims haven't been sent to the insurances. He refused to listen to me and said we will just leave it as is then and HUNG UP ON ME!!!! So rude!!
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-14
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX  XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$5700.00}
Consumer complaint received 2021-09-13
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. (WI)

These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2016-04-26
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: M&T BANK CORPORATION (NJ)

I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX XXXX XXXX with a XXXX XXXX and XXXX, and have difficulty getting around. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX. 
I am attaching a copy of the power of attorney.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I returned items to the merchant XXXX XXXX who issued a refund to my card number ending in XXXX. However in that time TD bank detected fraud and my card was canceled and was reissued a new one. The merchant and the bank told me that the money would be redirected to the new card because the account was still open. On XX/XX/XXXX the merchant issued the refund but it got declined because the card was cancelled and the money was unable to reroute. I called TD bank onXXXX to talk to them about what happened and they stated that they would put a claim in to rectify the situation and money should be in my account within 7-10 business days. I still did not receive my money and went to the TD branch on XXXX XXXX in XXXX PA on XX/XX/XXXX which they also put in a claim to rectify the situation and the money should be in my account within 7-10 business days. I still have not received my money and called this morning ( XX/XX/XXXX ) to talk to TD who stated they sent me a letter stating they needed the proof that the merchant tried to refund the money. I did not receive this letter and my address hasnt changed. I found the proof and will be faxing it to the back office of TD today ( XX/XX/XXXX ). I keep getting told that I will receive my money within 7-10 business days and it has been almost 2 months since my account was credited I am fed up with this and just want my refund.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

BarclaycardUSA is not answering their phones during the coronavirus period. I have a scheduled payment reflected in their system that is for on-time payment. The ACH was never requested from my bank. I received notice of non-payment. I can not get through to discuss. This has forced me to initiate a second ACH payment in hopes that this one goes through. The fact I can not speak to anyone - hours long wait time - is not acceptable. I now risk double payment if the first ACH goes through.
Consumer complaint received 2020-04-21
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I DECIDED TO TAKE APPROPRIATE STEPS AND HAVE THE BURUE TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. FINALLY I CAME ACCROS THE CIVIL CODES FOR CONSUMERS AND PER FCRA 605 B IT CLEARLY STATES THAT THE FRAUDULENT ACCOUNT MUST BE REMOVED/BLOCKED WITHIN 4 BUSINESS DAYS OF RECEIPT OF THE IDENTITY THEFT REPORT. I ACTUALLY GOT ON THE WEBIDE OF THE FAIR TRADE COMMISSION AND FOLLOWED STEP BY STEP. ONCE THE REPORT WAS COMPLETED I FINALYZED IT AND SUBMITTED THE REPORT TO EXPERIAN AND WHEN I CALLED EXPERIAN I WAS TOLD THATH THE FORM IS NOT COPLETED CORRECTLY. WELL I BELIVE THE CIVIL COURT IS HIFGER THEN EXPERIAN OR ANY OTHER FINANCIAL INSTITUTION, WHAT IS THE POINT OF HAVIN THE GOVERNMENT OR THE CIVIL COURT IF EXPERIAN IS THE ONE WHO DECIDES WHICH ACCOUNT TO BE REMOVED OR BLOCKED.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CO)

On XX/XX/2021 my debit card was locked and overdraft protection was turned off. My account via the US BANK XXXX app stated that overdraft fees were not authorized, the same condition the account had been in for years before that. 

US bank allowed charges to continue accruing, draining the account and amounting to hundreds of dollars in overdraft fees. They have refused to refund overdraft fees because they say that overdrafts fees were authorized for checking/routing but not for debit?!?!? XXXX?! I literally turned off my debit card and overdraft fees weren't authorized. 

I feel so scammed. Please help. US bank is the literal worst.
Consumer complaint received 2018-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/XXXX, There was a credit card opened in my name through the XXXX XXXX XXXX in XXXX. This is for a timeshare. I canceled the timeshare contract within the right of rescission period. Mailing all documents, certified mail to XXXX XXXX in XXXX. I was credited for the majority of the charges, minus {$95.00} for 'promotional materials '. I did not know i had to return any promotional materials as this was never discussed nor verified in any materials. After 60 days,, XX/XX/XXXX, Bank of American re-billed the credit card account for the disputed {$95.00}. Stating that I would need to dispute the charge by providing any additional information by XX/XX/XXXX. I did not receive the document until XX/XX/XXXX. At that time, I called and told them I will mail back any promotional materials I received, as I was not allowed by XXXX XXXX to Return the promotional material to their local location, instead having to mail it to their office at XXXX XXXX   XXXX, ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I returned the promotional material via certified mail which they received as of XX/XX/XXXX. I have a copy of the return receipt as well as the letter I sent to the company requesting refund of the {$95.00}. I was in contact with Bank of America during this process and they said via their customer service that as long as i have a tracking number for the returned promotional items, that they would notate the account. I attempted to provide this to their employees and they transferred me to their Merchant Dispute Department on XX/XX/XXXX at XXXX. I explained I did not receive their letter until well after the 'closing date ' of their final dispute and they stated, it was electronically sent, I do not have this listed in their Bank of American Application and told them so. They said there's nothing else they will do for me as the time-frames have passed. I was told this by their 'manager/supervisor ' XXXX XXXX in Employee Billing. XXXX XXXX, XXXX. I would like for the CFPB to review this claim and I can provide details as to the certified mail for both the initial right of rescission as well as the return of any promotional materials.
Consumer complaint received 2021-09-17
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: STATE EMPLOYEES CREDIT UNION (MD)

Was in CH XXXX bankruptcy for 5 years. My mortgage was not included and I did not miss a payment. Soon as I was discharged they instantly reported that I missed my last 2 payments. I was not notified before this was reported on my credit. I called them and their researched determined this was a result of a payment missed when I filed for bankruptcy 5 years ago. I paid the past due amount within days of being aware of it. The bank will not correct the missed payments month/year on my report which means I cant qualify for refinance with another company until 12 more months, rates low now
Consumer complaint received 2020-07-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX, I took out an auto loan on a new vehicle with Santander Consumer USA. I was never given a written copy of my contract and the interest rate ended up being higher than what they initially offered. As it is, in the State of  California, the cap on auto loans is 10 % and I was paying 24.85 %. I was able to make all my payments on time until I lost my job as a result of the COVID-19 pandemic. Once that happened, they kept calling and harassing me up to 10 times a day, and regularly violated FDCPA ( Fair Debt Collection Practices Act XXXX rules. I complained on their XXXX page several times and instead of resolving the issue, they took it personally and blocked me from their XXXX page. I then repeatedly call customer service and I was on hold for several hours and once I was able to get a representative on the phone they repeatedly hung up on me. My loan was charged off as a bad debt on XX/XX/XXXX in the amount of {$22000.00} and I was never sent a right to cure notice or given any opportunity to make my loan current. Two months later, on XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX, again without receiving a right to cure notice from Santander Consumer USA 30 days prior. I inquired about payment deferrals and extensions and was never offered anything, nor was I sent anything in the mail stating their formal positions on the COVID-19 pandemic. I still havent received all the proper documentation after the repossession took place and as a result of their negligence during the worst global health crisis in history, I will be pursuing civil action to the fullest amount allowable, I am seeking the amount I was charged off on in the amount of {$22000.00}, redemption of my vehicle, and 10x the amount of the charge off in damages, in the amount of  {$220000.00}. I may seek further damages if necessary, and I may also pursue criminal charges as well for usury and wrongful repossession, given the fact that this company has put myself and my family in serious danger. I will also be contacting the news media and exposing this company at a time when people are the most vulnerable and many Americans are still financially struggling, especially being that unemployment benefits as a result of the pandemic are running out, businesses are still closed, and jobs are still not being created
Consumer complaint received 2021-03-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2020-07-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (CA)

Someone has opened an account with  BBVA Comp ass bank in my name of witch i did Not authorize. i have made a police report and started credit monitoring. I do not have or ever had any account with  XXXX . i called them on   X/XX/17  and  they said they would call me back, they did not. I got on a conference call with my  XXXX   XXXX   XXXX   XXXX   XXXX  and  BBVA can celed the call, we tried calling back with no success.   There was charges applied by whoever opened this account and i have received letters, bank statements, and even a ATM  XXXX  card in the mail.   I am not responsible for these charges or this account, please help resolve this matter, Thank you,  XXXX .