davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (SC)

I have a credit card on my credit report that I know nothing about. It is a CITICARD CBNA credit card with a balance of {$3300.00}. 

Ive contacted Citibank about it and they can not pull up any information about a credit card with them with my social security number. 

However they said that I was added as an authorized user, but they wont tell me by who. 

I have nothing to do with this credit card and would like it removed from my credit report.
Consumer complaint received 2019-05-28
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: Bread Financial Holdings, Inc. (IL)

Four unknown hard inquiries have been made on my credit. I didn't apply to any credit cards, loans, or any other service. These inquiries were made in other cities, no where near where I currently reside. One was made by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, CO XXXX, another inquiry by XXXX XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, another by XXXX XXXX XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX, DE XXXX, and another inquiry by XXXX on XX/XX/19 XXXX XXXX XXXX XXXX, OH XXXX. I never made those or gave permission to any of those companies to run my credit. I would like those inquiries taken off my credit report. I was told cfpb would be able to help.
Consumer complaint received 2020-04-27
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. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX  XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}
Consumer complaint received 2019-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried since XX/XX/2017 to have XXXX, XXXX & Transunion correct the reporting of collections and late payments of accounts that were included and discharged in my Bankruptcy, I have mailed and uploaded supporting documents and as of XX/XX/17 the largest collections and late payments still remain. Their errors and inadequate investigations have kept me from getting a home and a reasonable rate to purchase a car. Can anyone please help me please get the correct credit score I have work the last 2 years to rebuild?
Consumer complaint received 2019-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NC)

BBVA is holding my money hostage. I opened up a Money Market with a {$100000.00} transfer of funds from a XXXX XXXX XXXX savings account. Nowhere in the account opening process did BBVA indicate that there would be any limitations on withdrawing or transferring the money out of the account. I've read and re-read the account disclosures, and there is no mention of limits on withdrawals or account transfers. 

For the last five days, I've been trying to transfer much of that money back to my XXXX XXXX XXXX via ACH, Wire Transfer, Bill Pay, or a Cashiers Check. In the last few weeks, my wife and I have decided to purchase a new home, and we need {$90000.00} of that {$100000.00} as a deposit on the home. 

Now BBVA says that there is no way for us to get the money OUT OF OUR OWN MONEY MARKET OR CHECKING ACCOUNTS. Except for a {$5000.00} transfer, which is both a daily and monthly limit. At this pace, it will be XX/XX/2020 before we can get the money we need for the new home, which of course is well beyond the closing date and causes us great financial harm and damage.
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is not willing to help me retrieve my funds totaling over {$12000.00}. They insist that there is a time-frame in which they are able to help me and I am outside that time-frame. I have sent documents explaining the fraudulent scheme of the merchant which explains this time-frame but Bank of America refuses to look over the documentation.
Consumer complaint received 2019-05-28
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. (NY)

I was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX/XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Outsource Group, Inc (WA)

A company called The Outsourcing Group continuously calls me and leaves threatening messages saying they are going to take legal action if I dont comply about a debt complaint put against me. This most recently happened today ( XX/XX/2019 ). I have no debts to my name and my credit is near perfect. They are lying and threatening me over something that does not exist and I want them to stop. Their number is XXXX. I have no account number with them because I dont have an actual debt.
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wallace Management Company, LLC (IL)

I had a personal loan at State Finance in XXXX, IL, which is affiliated with Wallace Management. I always make my payments on-time ( within the 10-day grace period ) and most of the time I always paid extra. I was wanting to pay off this loan early, so when I spoke to the representative on the phone on XX/XX/XXXX or XX/XX/XXXX I asked what the pay-off amount would be as of Friday, XX/XX/XXXX. I said I would have to drop it in the night drop on Friday, XX/XX/XXXX after work as they would be closed by the time I got back into town. The representative provided me the amount and stated that would be fine. I received a call today, XX/XX/XXXX, stating I still owe them {$10.00} for a late fee. 
When I asked what the late fee was for they told me that my payment did not get processed until today ( XX/XX/XXXX ) since they decided they were going to be closed on Saturday, XX/XX/XXXX. I asked when they decided they were going to be closed on Saturday, XX/XX/XXXX and the lady stated they made that decision on Friday, XX/XX/XXXX around XXXX XXXX I am not sure how I was supposed to know that as they did not contact their customers to let them know. She stated there was nothing they could do about the {$10.00} late fee since it was " out of their hands. '' This could very well be out of their hands ; however, it should be management 's responsibility to provide appropriate customer service to the customers. When I told the representative I wanted to contact management, she stated they would not do anything and the only thing they would say is that technically my payment was due on XX/XX/XXXX so I should have had it in there then. They stress to you when you take the loan out that you have a 10-day grace period. If loan payments are due on the actual day, they should not offer a grace period. I know this is only {$10.00} ; however, there is a principle here. As much as I would like to be, I am not clairvoyant, and I do not think any of their other customers are either.
Consumer complaint received 2019-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Monday XX/XX/XXXX I negotiated a vacation rental with an online offeror. I received a rental agreement via email along with a request to send funds via XXXX. XXXX is an electronic money transfer program endorsed by my bank ( Bank of America ) and  is accessed through my bank 's mobile app. This is unlike other third party money transfer options, such as XXXX. 

I transferred {$2500.00} from my account to the offeror. The funds show up on my online banking profile as " processing '', as this was a holiday ( XXXX XXXX ). 

The property being offered for rent was fraudulent. I sought to recover the funds from the offeror. I tried multiple times through the app to recover the transfer. This was met with no response from the recipient. 

I attempted to contact my bank 's fraud department. After multiple attempts, I was informed that due to the nature of my request, the department I needed to reach was unavailable until regular banking hours the following day. 

I contacted my bank 's fraud department on Tuesday, XX/XX/XXXX. Once I was able to reach the correct department, I was informed that, not only was the department open on Monday, but I could have reached them while the transaction was still in a " processing '' status and potentially recover the transfer. 

Unfortunately, this information was too late, and the transaction moved from " processing '' to " posted '', and my bank was unable to recover the funds.
Consumer complaint received 2019-05-28
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. (OH)

The credit bureaus are not investigating properly. There are several inaccurate accounts on my report that I do not have knowledge of. I contacted the bureau ( s ) and the company Per the bureau 's request and they are still reporting the accounts. I do not have ownership to these accounts and the accounts were never verified correctly as mine.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (TX)

I recently found out while getting my credit check for a home loan that I had an account in collections from XXXX XXXX now called XXXX XXXX for {$44.00}. I never received a called or letter from this company. Also XXXX never reach out to me, I have the same phone number for more than 10 years and all my letters were forward to my new address. I need this remove from my credit because I never received proper documentations or calls to fix this issue. I pay XXXX thinking this will help and I ask them kindly to send me a letter of deletion of debt to remove this account of my credit and they refuse. Please Help.
Consumer complaint received 2019-05-28
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: CORELOGIC INC (CA)

XX/XX/XXXX there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XX/XX/XXXX new credit inquiry from CredcoXXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX ) XX/XX/XXXX - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.
Consumer complaint received 2019-05-28
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: Telerecovery Corporation (LA)

Upon pulling my credit reports I found that Telerecovery had placed an account in the amount of {$3300.00} on my credit reports. I then disputed this information with the credit bureaus as I believed the information was inaccurate and was not a valid account. Despite several attempts to validate the account the company has not produced any validation. The company closed the account on XXXX leaving it as a collection account and left the account as an active collection on my XXXX and XXXX credit reports. The company is reporting inaccurate information which is hindering my progression for better credit health. I would like this account to be removed immediately from all three major credit bureaus.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MD)

This company ignored FDCPA procedures for debt collection and improperly reported this to CRA 's without ever attempting to validate the debt. Rather, an " investigation '' did not begin until after this account was placed on my husband and I 's credit reports. 

I received a notices from the company, giving me 30 days to dispute the validity of the debt. I immediately responded, in writing, in correspondence received by the company XX/XX/2019. My response to them clearly outlined the amount of the debt I was disputing, which I'd already discussed with the original creditor, and requested an updated statement reflecting the actual amount owed so that payment could be remitted. 

Instead of a response, I received adverse action on my account. It was until I reached out by phone that I received this. As my husband 's employer was always paying the lease breaking fee, making payment itself was never a concern, however the amount needed to be corrected. The company ignored this request and reported the account to CRA 's before validating in violation of FDCPA. 

As they were notified in writing within 30 days of the original notice, their job was to cease collection activities while this dispute was investigated, and as such, should not have reported to credit report agencies until that was completed. As a litigious consumer, I am well within my rights to now file suit for this violation of my rights.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: U.S. BANCORP (NY)

I wrote not to long ago and what I write XXXX XXXX. ..and US Bank needs to be investigated ... I know received a letter from US BANK ABOUT LOWERING MY INTEREST RATE MY CREDIT SCORE WAS XXXX .I KNEW IT. .THEY PROBABLY DID THIS TO OTHER CUSTOMERS. .FOR ME TO COME BACK LESS THAN 24HRS AND SAY I CAN'T AFFORD, THE XXXXINTREST.FROM THE BANK AT 5.9 % ..AND DENIED TO. VANQUISH THE LOAN I KNOW THEY ARE CROOKED. HOW YOU CLOSED THIS CASE BEFORE IS BEYOND ME. .XXXX XXXX CASHED MY CHECK AND THE LOAN CHECK. AND TELL ME IT'S GOING TO TAKE 30DAYS.TO RETURN IT. .IT DOESN'T TAKE 30DAYS FOR MY CHECK TO GET TO YOU.SO I HAVE TO EXPLAIN TO THE CREDIT PEOPLE WHY I CAN'T PAY YET. .PLEASE DO SOMETHING FOR THE OTHER PEOPLE TO THEY ROBBED.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Anytime i apply for a card or to buy a house they say Equifax has put a fraud block on my account. I can't even obtain my report off the free annual credit report. Last time i was able to see my report, you have my name spelled wrong several times, wrong phone numbers, several addresses I've never lived at. This shouldn't be my responsibility to fix, this is your error. Now there's a block on my credit report? I have no knowledge or anyone contacting me letting me know what's going on, I've called & wrote a letter, got nowhere. You're saying i have fraud block but yet are committing fraud yourself by not correcting the problem.
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (FL)

The company name is XXXX with the website XXXX appears in my credit report as Duvera. The interest rate is 151.97 %. From the {$1000.00} dollars I owed when I bought the dog in XX/XX/2018, I owe approximately {$980.00} though I have paid always on time with an autoplay plan every two weeks all this time for {$65.00} each payment. This means that a total of XXXX has been paid until today. But I still owe about the same. 
I went to buy a dog at XXXX XXXX. A mixed breed dog. I saw this place which offered financing and went in. My family was waiting for me and they made me wait at the store for almost 2 hours stating others where filling the paperwork for financing. When I finally got to do the financing, I was just hurrying to leave. My family needed to eat and I was 30 minutes away from home. I signed out the paperwork in a rush and did not realized how high the interest was. I was just in a hurry to get out of there and trusted no one would commit usury in our state since it is unlawful. When I got to the time where there's no more no interest charges, I realized my debt had gone back to the beginning balance and I think even higher. then I call and ask the interest fees at which point I find out it was 50 %. My credit is not as bad as to deserve this ridiculous amount of monthly interest. I called and asked to talk to someone who could lower my interest and advised them this is unlawful. The person said there's nothing they can do since I signed for that. There where two different loans offered by the seller and she pushed this one. She filled out something in front of me where I could see she was getting a gift card. It seems like they pushed this loan in order to gain the gift card. That was fishy and I asked about the gist card. She said it was some competition they had related to the loans and sales. I do not deserve this usury high interest. It is against the law in out state. Florida Usury Laws Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. Loans with an interest rate between 25.01 percent and 45 percent are criminally usurious misdemeanors, while a rate above 45 percent is punishable as a third-degree felony. The challenge with avoiding a potentially usurious transaction lies in the intricacies found in the agreement, the characterization of the various fees reflected in the agreement, and, in some instances, the determination of whether the agreement is intended as the acquisition of an equity interest in the venture or the issuance of a debt obligation.This company thinks that a persons signature protects them when braking the law. I did not resigned my lawful right to be treated equally and to charged according to our state 's laws.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

I PULL UP MY CREDIT REPORT LAST WEEK I NOTICE I HAD 3 FRAUDULANT ACCOUNT ON MY REPORT. I WAS VITICM OF IDENTIY THEIF LAST YEAR I FILE A POLICE REPORT. THE ACOUNT ARE XXXX XXXX, TSI XXXX, AND XXXX   XXXX.
Consumer complaint received 2019-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Transunion XXXX ACC XXXX - acc 2 XXXX acc 3 XXXX after reviewing your so called Investigation on XX/XX/2019 you claimed that you had verified and updated these account listed above But I noticed the status update didn't update?? How is this Possible?? please tell me NOW?? The FCRA REQUIRES YOU TO CONDUCT A PROPER INVESTIGATION SINCE THE STATUS UPDATE DIDN'T CHANGE THIS IS FACTUAL PROOF THAT YOUR OFFICE DIDN'T CONDUCT A PROPER INVESTIGATION! if YOU WOULD HAVE DID YOUR JOB AND FOLLOW THE LAW THE LAW THE STATUS UPDATE WOULD HAVE AUTOMATICALLY UPDATE WHEN XXXX RESPONDED BACK TO YOUR SO CALLED DISPUTE BUT THEIR WAS NO DISPUTE AS I CAN SEE DUE TO THE STATUS UPDATE THIS US A VIOLATION OF THE FCRA SO YOU KNOW I ATTACHED A COPY OF A XXXX  CREDIT REPORT IN FILE THAT WAS FINISHED JUST 3 DAYS SHY OF YOUR SO CALLED INVESTIGATION LOOK AT THEIR STATUS UPDATE AND ALSO THEIR HIGH BALANCE AND BLANCE YOURS IS NO WHERE CLOSE TO THEIRS This means you failed to investigate Not only the status update date is wrong also the balance and High balance and see the Top of your credit file dated XX/XX/2019 You should be a XXXX ashamed of doing this I'm serious this is the law and you must follow it. I will tell you this much if you DO NOT DELETE THESE 3 XXXX ACCOUNTS ASAP I WILL FILE I LAWSUIT. THIS IS UNREAL ... AGAIN IF THESE ACCOUNTS ARE NOT DELETE ASAP I WILL FILE LAWSUIT IF YOU DON'T BELIEVE ME TRY ME AND WATCH AND SEE WHAT HAPPENS