davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-05
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. (IA)

To Whom It May Concern Without my consent or knowledge my credit report from all three bureaus was pulled as a hard inquiry by a company known as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. My personal statement on my credit reports clearly states that I am a victim of identity theft and I am to be personally contacted before any credit report is pulled on my behalf. My credit has had a credit freeze to not allow for this type of transaction. This is clearly fraud, as I never made contact with this organization for any purpose of any kind.
Consumer complaint received 2021-09-05
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. (GA)

My payment is due to XXXX XXXX XXXX on the XXXX of each month. My report states that my account is 30 days late when it is not. Today is XX/XX/2021. From the XXXX of last month to the XXXX of this month is only 13 days. My payment is scheduled to come out on my bank account on XX/XX/2021. Even so, that is 18 days and not 30. This inaccuracy took 94 points off my credit report and to be completely honest, I am thinking to get rid of this loan and refinance with another company. This is fraudulent. The date that is showing when they reported was XX/XX/2021. Even so, the XXXX to now is 6 days including Saturday and Sunday. I filed additional complaints with other places including this bank also lying on my auto loan application about my finances and bills. Most of that information is also incorrect.
Consumer complaint received 2019-03-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: QUALITY ACCEPTANCE LLC (LA)

I Purchased XXXX XXXX XXXX in XXXX. In XX/XX/XXXX car was repossessed with balance around {$11000.00}. XX/XX/XXXX, after viewing my credit report, I saw the balance at {$23.00}, XXXX. I called Quality Acceptance to see has the vehicle been sold. She said it was sold a month after repo ( XXXX ) for {$16000.00}. I then asked why wasnt I sent sale and/or deficiency notification as required by law and why was the balance {$23.00}, XXXX with {$250.00} in interest per month. We stated she could make payment arrangements with me for balance.Once I asked for proof that the legal process was followed and notices were sent ( sales information, fees, deficiency notices ) the call was dropped. I tried faxing and emailing and both were blocked.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : CREDIT COLLECTION SERVICE Account number : XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (NV)

I went to another phone company, i made planes to pay XXXX in increments to collect the remaining balances to the phones but they wanted the whole amount that I did not have. they sold my account to another company and now that want the full XXXX without wanting to get a payment plan.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I called Experian a few days ago because there was an account that was not mind ( XXXX XXXX XXXX  ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail
Consumer complaint received 2019-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I deposited a {$1500.00} check from my XXXX Card account on XX/XX/2019 into my Capital One bank 360 account. Capital One showed a credit on my account of {$1500.00} as check cleared. On the same day I transferred the {$1500.00} into another checking account with Capital One Bank. Several days later I received a letter dated XX/XX/XXXX from Capital One saying that the check was returned insufficient funds. 
Similarly XXXX sent me a letter saying that I was over my credit limit. I called Capital One and they returned my call on XX/XX/XXXX saying that my account was terminated because of Fraud. To my disbelief after 15 years of relationship. The bank accused me of Fraud. When I wrote the check from my XXXX account. Because the checking 360 account was closed, I couldnt return the {$1500.00} from the other Capital One account as an internal transfer. The fact of the accusations and the wrongdoing of Capital One investigators conclusion, and failing to advise me of the effective date of closure, is causing financial hardship in several automated debit payments, and mortgages that are accumulating return fees, late fees, and potentially damaging my credit score.

Furthermore, Im employed as XXXX XXXX XXXX on a Financial institution and this information can damage my professional career.
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

For years I had issues with dealing with sallie Mae to XXXX with Navient with paying for my student loans. I had to stop going to school due to the interest. I could not find a job to afford the payments. I have been living at home for years after college. I was harassed by sallie Mae and navient to the point I do not want to speak with them. I was unemployed in for a year and Navient did not care. They wanted me to pay my student loans when you know unemployment does not pay that much in Maryland. During the pandemic, They promised to stop the payments for 6 months but that was a lie. They told me that i had to call in every month. When I was on the Income driven program, for over 2 years. They claim that the program did not exist. My loan is almost XXXX due to interest which they did not disclose that IT would be over 21 %. This has become a predatory loan. I work for a medical non profit which I am unable to afford to payments due to making below 80 to 90 k. I barely make XXXX XXXX and it took me 5 years to go from XXXX  - XXXX XXXX  They also are unable to provide me refinance option with their organization which is very odd due to unreachable qualification. The reason why I don not qualify is because Navient affects my credit score which affects my change to refinance with their organization.
Consumer complaint received 2023-07-01
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. (DC)

I reported fraud to the ftc on XX/XX/2023 on accounts XXXX XXXX XXXX XXXXXXXX XXXX And inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FI
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (KS)

Fraudulent Wells Fargo Account - Reported but still receiving statements On XXXX XXXX I received a notice in the mail for a Wells Fargo checking account, and I immediately called and reported it. They had all of my personal information but were using my maiden name, and my first name is spelled incorrectly. When calling I was able to gain access to this information by confirming last four of my social security number. I have never had any of their products. They couldnt tell me anything about the account but said they would close it and send me documents regarding the fraudulent account via U.SXXXX mail. I immediately locked my credit. 

Today, I received a monthly statement dated XX/XX/2022 showing the full account and balance information. It also details what account options I am currently opted into. I have not received any other mailings from them. I called the XXXX and the account is still open and there are debit card transactions of {$0.00} as recently as XXXX. The CSR could not tell me anything but just transferred me to a dead line.
Consumer complaint received 2021-12-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is holding an account in my name that does not belong to me holding me liable to pay. This is not my account, I have called the business directly several time and the credit bureaus. I am a victim of identity theft and I have been involved in over 5 security breaches over the last 6 to 7 years. I really wanted an opportunity to do business with this company and can not because the opportunity was taken from me before I had the chance. I have begged and pleaded to get this false reporting removed and it have not been resolved yet. This is not good practice for business and this is stripping me away from my rights. It is also against the law. I explained to them this person had numerous of things in my name, bank accounts, secured and unsecured cards, jobs and unemployment in my name and the representative from Bank of America quoted unfortunately its easier for someone to use your information then you to get the false reporting off. That should not be citizens hard truth. I want this account immediately removed. The account is {$330.00}. It is not a lot of money and again I am not paying for something I did not do. I am in route to be getting a credit lawyer involved if this cant be resolved. I have given them my current address for a fraud packet and I have received nothing. Please remove this off of my account.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CO)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRICIPLE IS NOTICE TO AGENT After reviewing my credit reports I noticed that your are alleging that the following accounts are negative without furnishing any proof of verification or accuracy of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. If you accept my request, I will not escalate this matter to XXXX XXXX. In the case you dont accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX All Rights Reserved Without Prejudice
Consumer complaint received 2022-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NC)

My Name is XXXX XXXX. ( Loan Account # Ending XXXX ) I currently have a Home mortgage with TD Bank. 
Back in XX/XX/2020 They offered Forbearance plan to me by letter dated XX/XX/2020 due to Covid -19 pandemic. 
Even though on the letter it does not mention Covid-19 pandemic, I took that offer and took a break on my mortgage payment for 2 months. 
Now I am applying for a new refinance by a different lander they found out that I had a Forbearance plan in XXXX.They are asking me to get a letter from my current mortgage bank to say that the Forbearance was offered to me for Covid-19 pandemic. I called TD bank my current mortgage bank to say that it was related to Covid -19 Pandemic .They are refusing to give me that letter saying that the offer of Forbearance was related to Covid-19 pandemic. 
This is making difficult for people like me to get a better rate for refinance mortgage.
Consumer complaint received 2022-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello I am writing to report capital one bank. I have a secure credit card with them and I informed them that I was facing hard times. I told them that my fiance, now wife would be paying on the account. They made her an authorized user but refused to allow her to make payments. It was my money in the first place. I wrote them and let them know I would be away for 2 years and needed my wife to be able to pay. They refused and would not respond to me in written documents. Can you please help me resolve this because I am trying to build my life back while this bank will do anything to tarnish my credit.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

Contact to remove all 3 people off my CCs as Authority Users. Please see below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also make they are not being reported to the credit reports anymore
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$850.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Central Portfolio Control Inc. (GA)

Since I have never had a business relationship, I asked them by email for clarifying information. They in the credit bureau say that I owe them XXXX dollars and I have never had a business relationship with them. They also indicate that I have a delinquency that begins in XX/XX/2024, which if not I have a business relationship, even less do I have a payment commitment with said company. Name company is CENTRAL PORTAFOLIO CONT
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was with Bank of America. I had a secured credit card and I ended up being incarcerated. I wrote 3 letters to XXXX XXXX headquarters and they would not respond. My wife constantly tried to pay on a secure card which was my own money but they continued to deny her access to pay even with my written consent while away. She tried for weeks and they denied so I wrote again. I even called to resolve and they told me your account is closed for lack of response. Mind you, this is a secure card that I faithfully paid on time every single XXXX month. They closed it saying I had an outstanding balance of {$15.00}. This was so sad because it now sits on my credit report. Its not right. I told them prior and authorized my wife as a user to make payments or decisions on this account. She did everything she could do but they closed it. All for {$15.00}. I got a call and they forced me to pay the account off for the {$15.00} even after they knew I was incarcerated. They said there is nothing we can do for you. They closed it only this but also my checking account due to monthly service fees I accrued while away. They basically just used my situation to get money and make my credit bad. Please help me!
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX and 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 an account without my written instructions
Consumer complaint received 2019-03-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX  rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.
Consumer complaint received 2019-03-17
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: DISCOVER BANK (NJ)

On XX/XX/2018 I purchased a tablet, keyboard, and stylus and paid additional for expedited shipping online at XXXX. The cost of the tablet was {$500.00} and the cost of the expedited shipping was {$18.00}. The total purchase price was {$550.00}. I used XXXX to complete the purchase which was charged through my Discover Card. On XX/XX/2018 I received the keyboard and stylus but not the tablet. I contacted the merchant about not receiving the tablet and they claimed they were out of stock and that it would ship on XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped and I contacted the merchant again and they stated the expected shipping date was now XX/XX/XXXX. On XX/XX/XXXX the tablet still had not shipped. I opened a claim with XXXX that I did not receive my entire order. The merchant provided to XXXX the shipping information for the keyboard and stylus only and XXXX chose to resolve in their favor. I then proceeded to open a claim with Discover Card. I provided them with complete documentation showing my correspondence with the merchant about not receiving the tablet and the merchant acknowledging they had not shipped the tablet. However, the merchant proceeded to provide the same shipping information to Discover that the keyboard and stylus were shipped and Discover resolved it in their favor as routine practice. I contacted Discover again on XX/XX/XXXX. Upon reviewing the documentation they claimed they would reopen the dispute as it was routine practice for them to resolve in the merchant 's favor as long as a tracking number was provided. They had not even bothered to inquire as to whether the entire shipment had been sent. I had explained to them numerous times that the keyboard and stylus that they shipped are useless without the tablet as they will not work with any other tablet. This is tantamount to purchasing a car and the dealer only giving you the keys to the car but never delivering the actual car. I had even offered to ship back the keyboard and stylus at the merchant 's expense since they were unable to provide the actual usable product which was the tablet. It has now been almost 4 months that I have been trying to resolve this through all the applicable channels through XXXX, XXXX, and Discover. All 3 companies have been extremely dishonest throughout the entire ordeal. For all they care, I could have been shipped an empty box with a tracking number and they continue to uphold the charge as valid. Also, because I opened a claim with my credit card company, the merchant has indicated they now have no intention of ever shipping the tablet. Basically I got scammed out of {$550.00} because the merchant knows how to game the system with the credit card companies.