davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is reporting that I committed fraud to credit reporting agencies when in fact my card was stolen and I called them regarding this matter when it first took place. I have not seen clear evidence such as video footage or any supporting physical evidence to tie me to this matter. Someone stole my debit card and tried depositing a fake check I called BOA and they still put as suspected fraud. I even sent them a letter stating Ill pay the balance to have this removed and I never got feedback. This is causing me to be debt and its embarrassing.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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
Consumer complaint received 2023-04-15
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)

I've sent Experian numerous amounts of letters to remove the incorrect reporting of XXXX XXXX on my accounting and they refuse to delete. I've asked for them to send me their method of verification etc.. and they refuse to send.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Company failed to timely and properly apply requested due date change. They also did not process agreed upon extension for the months of XX/XX/XXXX and XX/XX/XXXX. 

When following up as I was alerted to credit delinquencies I was advised of employee error for which coaching has been provided and it would be remedied within 1-2 billing cycles. I received countless closures as a result of this not so much as an I'm sorry or monetary relief they simply kept giving me the runaround time after time. 

Then in XX/XX/XXXX they advised account is covered for covid 19 plan NO PAYMENT DUE. They advised interest would still continue to accrue so pay what I could during XXXX XXXX and XXXX the months initially processed for Covid 19 from certified XXXX XXXX XXXX letter that they accepted. 

Imagine my surprise when not only did they not fix the prior to as advised by several parties including XXXX XXXX office, XXXX closed accounts and countless other supervisors on a recorded line with CRA Execs. 

I was then informed they would not speak to me nor accept payments because account was coded cease and desist and litigation they froze my portal for payments in XXXX after dispute and nothing works to this day over 2 years later. The old account was paid off and I acquired a new loan through only because it was further guaranteed account would be rectified and portal fixed yet it is not.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation (TX)

The creditors were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MA)

I had a Citibank Credit card that they allowed multiple fraud transactions to go through in another state ranging from 40-70 each. Citibank failed to notify me and I only learned of their lack of security when I was declined. I called Citibank and was only them informed by them about fraud purchases. I went over with the rep most recent purchases and I disputed all fraud purchases all in another state that Citibank allowed while they declined me. I was told disputes would be started and they would close account and that a new card would be issued. Before I received and even activated the second card Citibank allowed more transactions on new cc. When I asked how this was possible I was told the new cc number was probably a recycled number more like inside job and lack of security. I still wasnt refunded my money and Citibank was giving me problems. I spent over and hour on the phone with multiple reps disputing the fraud charges repeatedly. Ive made 20-30 calls just to get through often times being hung up on, talked over, transferred to close departments or just flat out lied to. Citibank preys on their phone customers not having access to local branches by giving them the run around. After Citibank allowed purchases on a card I had yet to activate I told them I didnt want them to send me a third card, they lacked security and its too difficult to get a resolution or a knowledgeable person on the phone. After some time and more calls My credit account showed fraud charges were reversed but my total balance due never went down. How is that possible? Citibank manipulates the online posts to account. You can go in one day and it shows total different from the next, I have screen shots to prove this.

Also Citibank did not honor the credit card agreement and give me my rewards due based on my spending which usually equals at least a 50 statement credit. 
They also negatively impacted my credit report since all these problems began. Now my credit card has the highest interest rate possible and an amount that was never adjusted. I also successfully contacted the CEO XXXX XXXX via email regarding my credit card and checking account and received an email response from the Executive office saying someone would contact me but like Citibanks response to CFPB that was a lie.not only did I not get a response but when I called no one would help me and told one one person could help me and they werent available and would contact me, another lie. I only received phone calls after complaint to other agencies. It was 3 consecutive phone calls one day with no voicemail. Then they knocking send letters that include lies.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX 4 transactions came through my account.

1. {$10.00} withdrawal 2. {$30.00} withdrawal 3. {$30.00} withdrawal 4. XXXX withdrawal {$200.00} deposit. 

The bank charged me 4 overdraft fees even though there was enough to cover the ( 2 ) {$30.00} transactions and the {$10.00} transactions. I called on the phone and was refunded {$67.00} however I feel I should have only been charged for one overdraft fee. I feel that the bank is allowed to create an opportunity to charge fees that could be avoided. There was a {$200.00} deposit that was more than enough to pay the 3 transactions, but they cleared the {$480.00} transactions to absorb all of the {$200.00} and make the account negative to justify charging the last 3 transactions. The last transaction to come in that is listed in the banking app is {$480.00} ye, t it was paid first. I am so sick of this bank and this scam and this government agency continue to allow this conduct. It's a shame while people are struggling and the government is not helping people the banks are robbing the customers. I have made prior complaints about this and I am aware of many other people who bank here and are having the same issue. The bank changes the terms all the time to scam the customers. Then they have the nerve to put a limit on the number of fees that can be refunded on the account regardless of the reason. I will keep complaining until something is done about this. 


Received XXXX PMT ID XXXX  {$200.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX XXXX XXXX - {$480.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX  XXXX XXXX - {$30.00} WEB INITIATED PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX - {$30.00} Check # XXXX - {$10.00}
Consumer complaint received 2021-09-02
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: CAINE & WEINER COMPANY, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX ) XXXX XXXX XXXX ; XXXX ; XXXX ( XXXX ) CAINE & WEINER COMPANY INC. ( XXXX  ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (IA)

My mortgage was serviced by XXXX Mortgage at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to Mr. Cooper ( Nationstar ).

Mr. Cooper assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at Mr. Cooper, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, Nationstar ( d/b/a Mr. Cooper ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with Mr. Cooper about the modification program since the loan was transferred and I have made 3 payments since the modification started.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

I received a supplemental tax bill from the XXXX of XXXX, MA. Right after I received the bill, I contacted my then servicer Guaranteed Rate to ask if they would pay the bill or if I needed to. They got back to me saying that they will ( I have the the emails ). Subsequently, Guaranteed Rate sold the loan to XXXX. I recently noticed that the supplemental bill hadn't been paid, and I had now accrued a {$55.00} and some cents interest for late payment. I reached out to XXXX, explained the situation, and said that they should pay out of my escrow since I was promised that by Guaranteed Rate. XXXX then paid it off. But I had already accrued {$55.00} in interest and penalty which XXXX also paid from my escrow. I want Guaranteed Rate to refund to me the money they paid for the late fees, {$55.00}. This is negligence on the part of Guaranteed Rate. They told me they will pay off the bill ( Case XXXX Resolved - XXXX Loan # XXXX ) but they did not, and this led to the late and penalty fees. Had they told me they will not pay it, I would have paid it by the deadline. It is not my fault, and I should not be penalized for this.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

Developed XXXX XXXX in XXXX. Went to see XXXX XXXX XXXX, XXXX  who referred me to XXXX XXXX on XX/XX/XXXX. I met with XXXX XXXX XXXX, XXXX   on XX/XX/XXXX. At this time an appointment for XXXX was scheduled for XX/XX/XXXX. There was plenty of time to get pre-authorization and give me heads up. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to mention that I was sent home the very next day after XXXX XXXX. They XXXX me home the XX/XX/XXXX. XXXX had my insurance information since the referral. I was billed for visits and paid copayments prior to XXXX. I didn't receive a letter from XXXX until XXXX XXXX, XXXX informing me that I had an outstanding bill of {$32000.00}. Then later I was informed of a bill of over {$8000.00}. I was not informed prior to XXXX that my insurance would not cover the cost of the XXXX. XXXX forwarded my to Bull City Financial Solutions , Inc . I have been sending {$30.00} a month since I was informed for both accounts. I can only give this about at this time. I explained this to Bull City Financials also let them know I am in a payment plan with XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} a month. That does not include the other medical bills being paid to XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that I was not informed that I would have to pay this amount of money prior to my XXXX so that I could make other arrangement prior to XXXX and possibly put the XXXX off until another time. I have compiled numerous documents regarding this situation. Is there any way I could receive any help with this situation? Thanks in advance for all your help and consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting 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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX - XX/XX/XXXX * XXXX XXXX XXXX - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2022-01-10
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 (CA)

I am writing to dispute a charge of {$15000.00} to my debit card linked to my checking account initiated on XX/XX/2021. I have never purchased anything form the merchant, XXXX, and have never given them my information, nor signed any contract authorizing the repeated transactions. I have no idea how they obtained my information, or managed to continually charge my card. 

Over a course of about 3 months, from XX/XX/2021 - XX/XX/2021, XXXX charged my card XXXX different occasions for varying amounts ranging from {$250.00} - {$2000.00}, along with associated international transaction fees. 

I did not approve any of these transactions and reported them to Bank of America Fraud Disputes who have ignored my disputes and claims. 

I have contacted both parties involved multiple times. I have not received any return calls or emails from the fraudulent merchant. I have cooperated with the investigation set forth by Bank of America and they continue to fail to pursue the fraudulent merchant.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (OH)

I opened a personal checking account thru their online process on XXXX XX/XX/2023 with an initial deposit of {$50.00} paid from my debit card. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXXXXXX XXXX where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. It's been almost three months and my {$50.00} deposit has not been returned. I have confirmation from XXXX  XXXX XXXX that it was paid, and even Truist customer service reps acknowledged that there is a {$50.00} balance on the account and they said i should receive a check at the mailing address i provided, but that still hasn't happened.
Consumer complaint received 2022-01-11
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. (FL)

XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to XXXX and Transunion that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.