davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (RI)

I HAVE NEW & UPDATED INFORMATION ON TRANSUNION AND XXXX. I XXXX XXXX the consumer, have evidence that TRANSUNION AND XXXX are willlfully noncompliant to federal law FCRA 605B ( 15 U.S.C. 1681c-2 ). On XXXX I sent correspondence to XXXX in response to ( complaint # XXXX ) & also sent correspondence to TRANSUNION in response to ( complaint # XXXX ) ( see attached file ). In my previous complaint, I notified both TRANSUNION AND XXXX that they had 4 days upon receipt to block all of the items Ive listed inside of my identity theft report on XXXX. TRANSUNION and XXXX failed to meet those requirements. I have proof and evidence of both receipts ( see attached file ). Instead, TRANSUNION AND XXXX chose to put my FTC report in ( the system ) as a 30 day dispute to verify the same information PRIOR to the block WITH the furnishers of those same items I made notice of being fraudulent. Both companies are continuing to report False misleading information on my consumer report and are using the same information in my file that I made known to be identity theft, to verify the same information. By doing so, TRANSUNION AND XXXX are in violation of 15 USC 1681c-2 ( c ) ( 3 ). Theyre knowingly using the presence of the information inside of my consumer file PRIOR to the block to verify information on me. The FTC regulates this requirement TRANSUNION & XXXX failed to abide. I have documents from the FTC siding with my complaint ( see attached file ). I would like to now state that the consumer reporting agency XXXX has obeyed this requirement by blocking the information from reporting ( see attached file & see complaint # XXXX ). Pursuant to 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. XXXX and TRANSUNION are in violation for knowingly ignoring the block of information reported as identity theft pursuant to the automated system of all consumer reporting agencies.
Consumer complaint received 2020-05-05
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$720.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX administers our HELOC loan. On XX/XX/20, a XXXX representative gave us a payoff amount of {$340000.00} and all wire transfer information, told us that no more interest would accrue if we wired the $ that day, which we did. We later noticed on our XXXX account online, a remaining principal balance of {$170.00} and interest of {$230.00}. Because we had paid off the exact amount told to us by XXXX, we contacted them to dispute this matter. XXXX sent us a letter dated XX/XX/20 acknowledging this, advising that they'd work to resolve it, and that they will continue to follow up until there was resolution to our request. From that date until today, XXXX never again contacted us regarding our dispute. We, on the other hand, contacted XXXX repeatedly to follow up. I have copies of our cell phone bills showing 12 phone calls placed by us to XXXX. The calls total 355 minutes of OUR time, trying to resolve a dispute that XXXX vowed to work towards resolving. We then realized that a {$25.00} late charge as well as an additional unexplained {$50.00} fee was added to our account ( we had just paid the {$100.00} annual fee one month earlier and NO ONE from XXXX could explain the {$50.00} charge ). I was told that both fees would be removed because of the underlying issue. I consistently asked to speak with a supervisor. A couple of times, I was placed on hold and would then be disconnected. A couple of times, I was told that a supervisor would call me back. No supervisor or anyone else from XXXX ever called us back. Because I didn't want this to affect our credit, I tried making the payments that we were disputing online and by phone, but was not allowed to. We finally paid everything in full by wire transfer as required by XXXX ( at an additional cost through our bank ) and XXXX reported a late payment to the 3 credit bureaus, resulting in negative credit for us. XXXX FINALLY responded to me after I posted a negative comment on XXXX and issued me a letter advising that it submitted a correction to the credit bureaus removing the delinquent reporting. When I saw that the 3 bureaus still had the delinquent payment, I was told by XXXX to dispute this directly with the credit bureaus, which I did, TWO TIMES for each. The credit bureaus responded that XXXX reported to them that the delinquent payment was accurate, even though XXXX confirmed in writing to me that it was not.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (CA)

Despite all my efforts to confront the Credit reporting Agencies regarding the Fraudulent information from my Credit File, the Credit Bureaus became lazy and did not comply with the FCRA regulation section 605b and continued reporting of unverified information to my Credit File. Due to the Credit Bureaus becoming lazy, it became a huge problem for me to properly contact the Credit bureaus and inform them regarding the fraudulent information on my Credit Report. I have sent a letter disputing the fraudulent items from my Credit File on XX/XX/XXXX and have been sending countless letters having the same message that is to remove the items that resulted due to identity theft. But the Credit Bureaus have never even once paid attention to my letters neither respond. I came to realize that my efforts are useless since the Credit Bureaus are best at doing nothing to pay attention to a consumer 's requests. I am frustrated by this and tempted to take legal action againsts the Credit Bureaus. By submitting this complaint through the CFPB, I am looking forward that the Credit Bureuas would take immediate action and remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXX Balance - Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX A XXXX Balance {$570.00}
Consumer complaint received 2020-05-05
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I am requesting assistance or information on how to proceed further with my dispute. I have also attached 2 emails that were sent to the bank. I applied for a Credit Card with the bank but did not receive it. I found out via XXXX XXXX that the card was issued and immediately contacted the bank and disputed the charges. I was verbally advised after a few weeks later that everything was fine and I did a Balance Transfer. Last month I went to make my payment and they had put the disputed charges back on my account with no explanation or documentation to advise. I believe they are in violation of the FCBA guidelines. When I called the dispute was closed out and I re-opened it. They have since sent me a statement to pay the total of the disputed charges, have reported the balance of {$7900.00} to the Credit Bureau and has caused a significant drop in my FICO score. 

On XX/XX/20, I received a letter stating the dispute of XXXX was closed and a credit was issued to my account, however that is not true and neither has the amount changed on the Credit Bureau. No one in the dispute department will return my calls and I have not received any correspondence on the new case that was opened. 

I am kindly requesting that you review this matter and if you are not able to assist, can you please provide some guidance as to what can be done.
Consumer complaint received 2020-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have my auto loan with Capital One, and even though I am not late and have never been late on my monthly payments, I wanted to request 1 month extension because I didn't work for a whole month ( due to the Covid-19 ), their response was that I had the option to do so BUT they will charge me interest fee on my loan. I personally find this inhumane because the crisis we are going through right now and based on the government laws, we, the consumers were supposed to have a break until everything goes back to normal. 

I called on XX/XX/2020 and my monthly payment is {$380.00}, which if I extend 1 month into my loan they will charge me around {$180.00} in interests fee. I find this so unfair specially for a consumer that has never been late on any payment and also has a credit card with them and never paid late on neither of the accounts. I understand how business works, but we are in a crisis that a LOT of people are going through difficult times, they should consider that and work better with us. I am so disappointed that as soon I can refinance my car I will do so, as well as closed my CC card.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (GA)

XXXX Paid Mortgage Payment- website not functioning properly and stated the following day that it was not paid. Although we had confirmation it was. 
XXXX Paid Mortgage payment again due to the website error and being told by Freedom Mortgage that it was not accepted. 
Both of these were then debited from our bank account the first payment that they stated was not taken and then the second. We can prove through statements from XXXX. 
XXXX Contacted Freedom Mortgage we were told to contact XXXX that this was on their end and nothing Freedom would or could do. Contacted XXXX paid a fee ( out of our pocket for Freedoms mistake ) to then have this payment reversed and credited back to our account. 
XXXX Paid Mortgage Payment XX/XX/2019 Pay Reversal done by XXXX  due to prior phone call with the stop payment & reversal as they blocked Freedom from taking any money from our account. When the request came through from Freedom they denied it based upon this. 
We have screenshots to show this and where it was paid and paid on time. 
XXXX We were made aware that two payments were due at this time due to the mistake outside of our control. We immediately in a show of good faith paid two payments at the same to get this back current. Incurred additional late fee even though this was something we never knew about and have screenshots showing where it was paid on time. 
Even after such as this was corrected and Freedom was aware of the mistake and mishap from the website & XXXX they chose to report this to our credit. The single derogatory remark ever on our perfect credit profiles. This has reduced our scores drastically.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to bills i continued to receive in the mail. I have never heard from the place before, I immediately suspected identity theft. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$890.00}
Consumer complaint received 2020-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

Hello, I am writing in regard to {$8000.00} which is currently missing from my bank account. I will try my best to provide a timeline as followed : XX/XX/XXXX I sent {$8000.00} to BMO Harris from XXXX XXXX. The money was not immediately received and so I had to open a claim with XXXX. They provided me with a temporary credit. Afterwards, the credit was reversed. On XX/XX/XXXX, {$8000.00} was deposited into my BMO Harris account. On XX/XX/XXXX, the {$8000.00} was reversed back to XXXX. This is all the information that I have access to according to my bank statements. 

I am beyond upset at the lack of help and understanding that I have gotten from both XXXX and BMO Harris. Every time I have called, both banks tell me that they don't know where my money is and that the other bank most likely has it. Today, XX/XX/2020 I called and spoke with a representative from BMO Harris and he told me he would look into it and give me a call back. I have not received a call and now he is not picking up his phone. I spoke with a representative from XXXX on XX/XX/XXXX, and she told me that their records show that the money was transferred back to BMO Harris and that XXXX no longer has it. 

This {$8000.00} is all of my savings up until this point and I can not afford to hire a lawyer to help me. I don't know what to do or what my next step would be. 

Thank you
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (CO)

When I signed up for this checking account with BBVA on XX/XX/2019, I used a promotion code that stated that I would get a {$200.00} bonus after receiving a direct deposit of {$500.00} or more. I fulfilled these terms and confirmed my eligibility with BBVA on XX/XX/2019. At that time, they stated I would need to wait 90 days for them to pay out the bonus. Those 90 days have now passed and I have submitted multiple messages for them to look into the issue. They claimed they were investigating it nearly a month ago, but still nothing.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

I made a purchase at XXXX and charged it to my XXXX credit card at Comenity bank. 

I tried to return most of my purchase ( brand new and unworn ), as it was no longer needed -- but could not as the physical store ( where I purchased the merchandise ) was closed due to COVID-19. I called XXXX and they sent me a RMA ( Return Merchandise Authorization ) along with a prepaid mailing label, and I shipped the merchandise back. 

I made a payment to my Comenity Bank card in the approximate amount of the merchandise that I kept, while awaiting a credit to my account for the returned items. 

After nearly 10 weeks and six phone calls, I FINALLY got the credit to my account, but Comenity charged finance charges on the unpaid balance and refuses to remove them. 

I fail to understand why they feel entitled to finance charges for merchandise that I returned. It is not my fault that their stores and warehouse are closed.
Consumer complaint received 2020-05-05
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first tie homeowners program I was told when they pulled credit that there was no way I could become a homeowner with all the derogatory items on my accounts please remove them from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had leased a XXXX  XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.
Consumer complaint received 2022-07-12
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. (TX)

To Whom It May Concern : I have sent letters to the credit bureaus ( TransUnion, XXXX and XXXX ), demanding delete these accounts from my consumer report, because I never gave them any written consent to report anything on my consumer report. They are in Violation of the U.S Code 1692c. They have done nothing to fix this. 

Pursuant to 15 USC 1681b-Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 

I, XXXX XXXX never gave TransUnion, XXXX, or XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 

Concerning the account listed below as a Federally Protected consumer under title 15 Chapter 41 Im demanding a deletion of these accounts from my consumer report. 

ACCOUNTS XXXX. XXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. XXXXXXXX XXXX Account #. XXXX XXXX. XXXX Account #. XXXX XXXX. Original Creditor : XXXX Account # XXXX Thank you, XXXX XXXX
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

First National Bank of PA violated the following under the Federal Fair Lending Regulations. 

- Fail to provide information or services relating to, or provide different information or services relating to, any aspect of the lending process, including credit availability, application procedures, and lending standards - Refuse to extend credit, or use different standards in determining whether to extend credit
Consumer complaint received 2020-08-28
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. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete
Consumer complaint received 2020-08-28
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I contact XXXX XXXX I was on charges on my account and there were no mine they really dont want to help me they close the account and the asking me to pay when those charges were not mine then they close the account and made it as a charge offIm trying to dispute it with the credit bureau and nothing happened Ive been a victim of identity theft in the Past
Consumer complaint received 2020-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a loan with XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX, and KOHLS/CAPONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX   ), XXXX XXXX, and KOHLS/CAPONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-28
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. (OH)

I opened a XXXX  XXXX XXXX XXXX awhile back to build my credit and the card has not been reported to 3 credit bureaus. They promised to report and help build credit and when I called them they said they sent the info to the bureaus but I see nothing reporting this card