davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I ( XXXX XXXX ) closed my Kohl 's account in XX/XX/XXXX. At the beginning of XX/XX/XXXX, I called Kohl 's to pay off my credit card and close the credit card. I was told by the representative how much my current balance was. I informed the representative I was unable to pay it in one payment. The representative said that was fine and the balance and any charges could be paid over time. The representative asked when I could make payments and I stated XX/XX/XXXX and XX/XX/XXXX. The representative stated that I needed to pay {$180.00} on XX/XX/XXXX and {$110.00} on XX/XX/XXXX in order to completely pay off my balance and any charges and to close my account. I agreed to these terms and made two payments : one on XX/XX/XXXX for {$180.00} and the other on XX/XX/XXXX for {$110.00}. Per the discussion with the representative this should have covered any and all charges and closed my account. I checked my credit report recently and realized that Kohl 's had reported that my credit account was 30 days late this past spring. In addition, I reviewed my account on Kohl 's and found that a refund for 'late charges ' and 'merchandise ' was issued on XX/XX/XXXX. 

I am requesting to have my credit report updated to have the 30 day delinquency removed and the effective closing date adjusted to XX/XX/XXXX. I closed and paid off the account in full in XXXX based on the amount given to me by the representative.
Consumer complaint received 2023-06-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (AZ)

This debt was sent to a law firm and went to court. A judgment was paid in full to the law firm. The Satisfaction of Judgement and Release of Lean was signed XX/XX/2023. Case number XXXX. All monies were garnished from my check bi-weekly until the judgement and debt was paid in full. See attached court documents proving all debt was paid in full.
Consumer complaint received 2022-12-08
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. (TN)

Accounts are still on my report AND violate the Fair Credit act. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX & XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-03
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. (FL)

I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report
Consumer complaint received 2020-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (TX)

Around XX/XX/XXXX I received a bill from XXXX. On XX/XX/XXXX I used my Barclaycard Rewards Mastercard and my XXXX XXXX  card to pay the bill from XXXX. XXXX XXXX  is a service that allows you to generate a random, temporary card number before you make a payment to increase your security. Because I was going to pay citi over the phone, I wanted to be as secure as possible. Although I was not receiving any cash from this transaction, The charge was for {$4500.00} while my Barclay card has a cash advance limit of a mere {$1800.00} so it did not occur to me that it was even possible for this to be classified as a cash advance. Nevertheless, when I logged into my Barclay account on XX/XX/XXXX there was a cash advance fee of {$220.00}. I called and was told that the customer service rep can not waive this fee and can not transfer me to a manager but that I  would be called back within 2 days and I was given case number XXXX. On XX/XX/XXXX I received a voicemail from a manager the next day and called her back within the hour but was connected to a frontline rep who couldn't transfer the call or resolve the issue and was again told I would get a callback. Fearing that this would stretch into eternity, I went ahead and paid off my balance in full for fear of the insane interest rates they must surely be charging me. Finally on  XX/XX/XXXX I spoke with a manager on the phone. I sent the manager copies of the relevant statements showing that I did not receive any cash but in fact had paid a bill. The manager said she can not waive the fee.
Consumer complaint received 2022-10-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-10-10
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. (FL)

On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.
Consumer complaint received 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CA)

In XX/XX/XXXX, we requested a forbearance. In XX/XX/XXXX, we started paperwork to reinstate our loan. We were denied a loan modification but received paperwork for a Partial Claim. We returned the paperwork, signed and notarized, by XXXX XXXX XXXX was received and signed for 2 days before the due date. Approximately 45 days later, we had not received notification regarding the claim. The phone rep told us they did not have the claim in their system and we were denied. I emailed a copy of the original document which was XXXX XXXX XXXXXXXX and a copy of the proof of receipt from XXXX XXXX with the signers name and time of delivery. We've called XXXX times per month since XXXX. None of the reps have been able to give us a straight answer, and can only take payments and " put notes in the system ''. They can not transfer us to a manager or someone who can help us fix this situation. We have made our regular mortgage payments since XXXX, but they are not going toward our mortgage, they are sitting in an unapplied funds account. We've called and emailed numerous times, but haven't been given any options as to how we can get our loan back on track or how we can re-submit our Partial Claim paperwork. We're just sitting in limbo with no one to help us.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I initiated a dispute with Simple bank for {$13000.00} and the dispute was denied as I had filed it improperly, so upon the banks recommendation I reached out to the merchant to settle. Upon the merchant telling me take it up with your bank I refilled the dispute on XX/XX/XXXX. For three months not one member of the disputes team reached out to me, I tried to call multiple times and was left on hold for over an hour having to eventually end the cal each time without speaking to an individual, and sent numerous support messages that werent responded to for sometimes weeks. I provided Simple with a police report proving an identity theft had occurred and a signed affidavit that the charges were not made by me. On XX/XX/XXXX I was informed that my dispute would not be accepted and my funds not returned. I am filing a complaint to hopefully return my funds.
Consumer complaint received 2023-03-30
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

XXXX of XXXX I spoke with MyFedLoans regarding loan payments from : XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX According to MyFedLoans, these loan payments were NOT marked as qualified towards the 120 payments towards the PSLF program even though I made student loan payments during those months.

I was told to call back to follow up on this request.

I have been calling at least once every month and STILL have been given the same response : that these payments are " under review '' and to call back to check on the status.

It is completely unacceptable for FedLoan Servicing to continue to have this response when it has been close to a year now ( I write  this in XX/XX/XXXX ) and I STILL get the same response. 

I greatly appreciate all your help and time of this review as I want to bring attention to this matter that FedLoan Servicing needs to be held accountable AND responsible for getting back to loan payers in a timely manner.

Again, thank you for your help and time.
Consumer complaint received 2022-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (AZ)

I wanted to pay off the balance on a loan, XXXX Comenity XXXX XXXX XXXX XXXX, that was provided to me by a XXXX  XXXX company through Comenity Capital Bank. I had the account initially set up to pay the minimum balance due monthly. My payments were auto-deducted each month for approximately two years, on time. On XX/XX/22 I called to pay off the balance in full. On the phone I was asked by the Comenity bank representative how I wanted to pay off the remainder of the balance. I said the same account that was being used to make my monthly auto payments. The bank representative said that it had been paid off prior to us ending the call. A month later I received a statement from Comenity showing {$2700.00} being deducted and then reapplied on the same day ( XX/XX/22 ) and a fee of {$25.00} for a return check fee, and an auto-payment of {$100.00} on XX/XX/22 and interest for the period XX/XX/22 to XX/XX/22 of {$64.00}. I contacted my Credit Union, XXXX XXXX XXXX XXXX and asked them what happened with this transaction. They researched and determined that COMENITY used incorrect numbers for my account while trying to pay off the balance. I do not see how they could make this mistake as they had my information and had been debiting my XXXX account for the past two years. I called them immediately after I spoke with XXXX and paid the balance off at that time, but did not pay the return check fee of {$25.00} or the accrued interest of {$64.00} since this was Comenity 's fault for processing the transaction incorrectly. I asked Comenity for those charges to be reversed but paid the remainder due on the account in an amount of {$2500.00}. They still have not reversed those charges and are instead accruing interest on this amount each month. I have since went to my Credit Union and they provided, in writing, a letter attesting to the fact that there was an attempt by Comenity to withdraw {$2700.00}, with an effective date of XX/XX/22, but it was denied as the account number Comenity entered was not correct ( and was not the one that Comenity had been using for the monthly auto-deduction ). I am attaching the letter from XXXX XXXX XXXX XXXX to support my claim of Comenity 's negligence.
Consumer complaint received 2021-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc. (TX)

GRAIN TECHNOLOGY INC Account Number XXXX The company does not respond to emails/phone calls or contacts on their website. I have been trying to reach this company for months to no avail. They are inaccurately reporting lates on my credit report which is preventing me from refinancing my home. This company lacks customer service. 

They are reporting a late payment despite various attempts to make contact with them.
Consumer complaint received 2022-10-10
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. (NY)

In accordance with the fair credit reporting act, the account listed below violated my federally protected consumer rights to privacy and confidentiality XXXXnder15USC1681. 

Account name and # XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXX XXXX XXXX XXXX Account name and # XXXX XXXX  XXXX Account name and # XXXX XXXX  XXXX Account name and # XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6018 A. states I have the righttoprivacy 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish an account without my writteninstructions.

15 USC 1681 ( a ) ( 5 ) sections state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more thansevenyears 15 USC 1681s -2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that informationisinaccurate
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I changed my legal name earlier this year. My legal name is " XXXX ''. I do not have a last name. My court order ; Driver 's License ; and Social Security XXXX card all accurately reflect that my only name is " XXXX ''. 

I sent a letter to TransUnion to indicate that my name has changed, and provide them copies of the documents listed above. Having previously worked as a XXXX XXXX, I am very familiar with database requirements ; while it is perfectly legal for a person to have only one name, nearly all systems in the United States assume that people have both a first and a last name, and mart both of those fields as required. I submitted a cover letter listing several options for TransUnion to enter in place of a last name to satisfy their database requirement. Examples include : " XXXX - '', " XXXX XXXX '' ( 'no last name ' ), " XXXX XXXX '' ( 'no first name ' ), etc. 

I received a letter in the mail today indicating that they made a change to my account, and now listed my name as " XXXX XXXX ''. That does NOT match any legal document that I own, and was NOT listed as an acceptable work-around. 

I called the customer support phone number for TransUnion and was escalated twice to a representative able to answer my question. They informed me that they were UNWILLING to correct this issue ; because " XXXX '' is the only name written on the court order, that was the only name they would enter. But because their system requires both a first and a last name, they entered it in both fields. When I asked why they were willing to deviate from the name listed on my court order, " XXXX '', by entering the name " XXXX XXXX '' instead, but were NOT willing to enter the name " XXXX XXXX '' instead, the only answer I was given was " this is how we're going to report it and we're not changing it. ''
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CrossCountry Mortgage LLC (NV)

I have been receiving sales marketing calls from Cross Country regarding refinancing my home. I have explained to them i am not interested. I have receive marketing mail from this company. I have mailed back saying stop, not interested, do not mail. I still keep  receiving phone calls and mail. I received a phone call on XX/XX/2019 and than on XXXX XX/XX/XXXX where my credit report was illegally pulled with out a verbal or written consent. On XX/XX/XXXX the phone call with Cross Country the representative stated if i was interested in refinancing i stated not at this time. Than he went to say well i have a coworker who will just give you information about today 's rate. I hung up the phone. Than i receive an alert that my credit report was pulled from this company. I immediately called back XXXX it kept going to voicemail. Than i called the XXXX XXXX company listed on the credit report for Cross Country. And i asked why was my credit report pulled i did not give any permission to have it pulled. The representative stated i can dispute but they don't have to have permission to use my information to pull my credit report. But i will have to contact them to get a letter of deletion. The representative stated i will have to call the company to request. Than another representative called me from cross country ( XXXX ) stating i have great news to help you refinance. I said i never gave you permission to pull my credit report. He said but don't you want a great rate. I said no i never authorize at any time for you to pull my credit report or have access to my information please send a letter of deletion and put my name on your do not contact list. Than he hung up on me.