davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is refusing is in violation of the FCRA and refusing to remove outdated data from credit reports unless forced. TransUnion continues to violate 15 U.S.C. 1681, even though their computerized systems allow them to update and drop outdated datsa from consumer files YET they refuse to do causing consumers to constantly do their job for them. 

TransUnion keeps inquiries on credit reports beyond the two year mark causing damage to credit scores and financial damage to consumers including myself. 

I am seeking punishment of TransUnion by the way of civil penalties, fines, class actions status, and administrative sanctions, up to and including restrictions of TransUnion from conducting business in the United States for a period of ten years for repeated violations of the FCRA. 

TransUnion has been very dismissive and blatant with their violations of the FCRA and continue to violate the law because this agency has been lax with enforcement of the FCRA AKA Fair Credit Reporting Act 15 U.S.C. 1681. 

The following data is still being reported in violation of the FCRA by TransUnion on my credir report : Inquiry 169 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 170 Inquiry Date - - 2015XXXX Creditor Name - - XXXX  Creditor Address - - XXXX XXXX XXXX XXXX XXXX DE, XXXX Creditor Phone - - XXXX Inquiry 171 Inquiry Date - - 2015XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 172 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX XXXXXXXX XXXX  Creditor Address - - XXXX XXXX XXXX XXXX MN, XXXX Creditor Phone - - XXXX Inquiry 173 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX OH, XXXX Creditor Phone - - XXXX Inquiry 174 Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry XXXX Inquiry Date - - 2015-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX. XXXX TN, XXXX Creditor Phone - - XXXX Inquiry 176 Inquiry Date - - 2015-XXXX-XXXX  Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXX XXXX FL, XXXX Creditor Phone - - XXXX Inquiry 177 Inquiry Date - - 2015-XXXX-XXXX Creditor Name - - XXXX Creditor Address - - XXXX XXXX XXXXXXXX XXXX DE, XXXX Creditor Phone - - XXXX
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Razor Capital, LLC (FL)

XXXX XXXX XXXX  credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to Razor Capital. It  was Razor Capital who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: QUALITY ACCEPTANCE LLC (AZ)

Illegal collection and repossession practices. Threatening to have me jailed, calling friends and family letting them know loan information, and defamation of character to my friends and family trying to get them to tell the lender where i am after i already told them to have the repo company call me for the location of thr vehicle
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MN)

I took out a synchrony bank credit card to pay for a medical service, in the amount of {$5000.00}. in XX/XX/2017. The agreement was that if it was paid off within a year you wouldn't be charged any interest. Unbeknownst to me I must have inadvertently signed up for a card security program. Since I have other credit cards I've always relied on my credit cards to be secure. Thru XXXX XXXX they charged me {$400.00}. in 7 months to keep my credit card secure!. When I realized what they had done they did refund me the $ XXXX.but I'm very concerned for all the other consumers that are unaware of this predatory practise of charging one an enourmous amount of money to keep your credit card secure. I did pay my credit card off early so had no other charges and have closed my account. I will never do business with XXXX XXXX again.
Consumer complaint received 2018-07-20
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)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX  10.XXXX
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP (NJ)

Valley National Bank is charging me a late fee of {$65.00} because I made the remaining balance of {$33.00} two days late, which was the balance for the annual escrow adjustment. Bank employee left a voice message on the XX/XX/XXXX without any details and never called back when I left a voice message trying to find out what the initial message was for. When I called back again he informed me that the {$33.00} balance was received but I now have a late fee to pay. I requested that the fee be waived or lowered since the fee is almost twice the amount of the {$33.00} balance. He was unwilling to help. 
I believe it is unfair for a bank to charge such a large late fee when the vast majority of the monthly balance was paid ( {$1900.00} old payment compared to {$2000.00} new payment with escrow adjustment ). The mortgage payment statement only stated that the " if payment is received after XX/XX/18, {$65.00} late fee will be charged ''. My payment of {$1900.00} was made on XX/XX/2018 and the {$33.00} was made sent from my bank on XX/XX/2018. It does not indicate that if the payment was not received in full that the late fee would apply. 
Overall, this is poor customer service. If I did not follow-up with the employee. I would be incurring additional late fees for not knowing the first one was incurred. I hope they review their banking practices and treat their customers more fairly.
Consumer complaint received 2018-07-20
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. (MI)

i am a victim of identity fraud. There are several accounts in my name that I have no knowledge of whatsoever. The accounts reported as 33 different accounts and are as listed : XXXX XXXX XXXX {$9900.00} open XXXX XXXX ; XXXX XXXX {$6600.00} XXXX XXXX ; XXXX XXXX XXXX {$3500.00} XX/XX/XXXX ... there are several accounts reporting from XXXX XXXX XXXX/XXXX  from the year of XXXX. By law and statue of limitations, these accounts should not be reporting to my credit after 7 years. There are also several accounts reporting to my credit from XXXXXXXX XXXX XXXX/XXXX  in amounts of {$2500.00}, {$3500.00}, and more. All accounts from this company are reporting from the years of XXXX which also defied the statue of limitations for debt collection reporting. There are accounts reporting from XXXX XXXX from XX/XX/XXXX which should not be reporting. State of MI Office CHI in the amount of {$6300.00}, this is a fraudulent account open XX/XX/XXXX. Theres a fraudulent Auto Loan opened from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. There are multiple accounts reporting from XXXX XXXX XXXX XXXX XXXX opened in XXXX that also break the SOL.
Consumer complaint received 2018-07-20
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 (TX)

On XX/XX/XXXX XXXX XXXX on behalf of Capital One responded to the CFPB request to look further with this dispute. In this signed letter by XXXX for which i will reattached XXXX states " please note, that we will not share your creditworthiness information with any affiliated or non-affiliated organization with Capitalone '' ( However Capital One is still sharing with the Credit Bureaus ( XXXX, XXXX, XXXX   ). I've called and spoke with XXXX from disputes and faxed this letter to her/department on XX/XX/XXXX still haven't heard anything back. Today I spoke with XXXX ( disputes department ) she stated they did updated today XX/XX/XXXX and that its reporting correctly but they didn't address the letter I faxed and that she was going to resend info to their credit department but I couldn't speak to them. 

Can the CFPB take steps an assurance to hold Capital One accountable to what XXXX XXXX promised me in this signed letter and not share this information regarding my credit worthiness with the credit bureaus as promised
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your support in addressing this false account on my credit report. This has impacted my standing as a customer, and I would appreciate your help. These accounts should be taken off due to the inaccurate and negative reporting.
Consumer complaint received 2018-02-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (FL)

I contacted XXXX XXXX last year when I fell behind on payments. They put me on a program that lowered my payments to almost half of the payment for about 4 months. I made the payments, which had to be completed by XX/XX/XXXX. I was told that once I finished the program, my payments would show current. I paid off the program with a payment of {$1200.00} in XX/XX/XXXX. When I went I make my next payment, the minimum due exceeded {$2500.00}, but the normal payment that I was expecting was {$650.00}. I contacted customer service and was told that it had been fixed. When I checked my loan again, it appeared to have been fixed online, but I found out recently that I was placed into another program, due to effects of hurricane Irma. I never asked for or was told about this. My account showed no payment due. Once an amount due showed up, I paid the amount due. Then a couple of months ago, I was unable to log into my account online. My mother told me a repo man showed up at their home looking for me. Now I have a letter in the mail showing I am past due by {$3500.00}. I contacted them to make a payment and they advised me to pay {$290.00} last week, which is the remainder of XX/XX/XXXX payment and I would be taken from repo status for 10 days only. Now they want {$2300.00} to bring my account current which I dont have. I was not called about this. When I have made calls to resolve, they tell me they will escalate and I dont hear back. When I was pre approved for this loan in late XX/XX/XXXX, they discussed my loan with the dealer, who sold me an overpriced vehicle. My rate is sky high and I can not refinance. I cant afford a {$3500.00} payment.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2018, I had went into Wells Fargo to open a business checking account. I had met XXXX XXXX XXXX, it was presented to him all documents, i.e IRS letter containing EIN # and Articles of Incorporation also a driver 's license and a government official ID, i.e.  Transportation Worker 's Identification Credentials. Now, it came to the part where I was demanded to give up my Social Security number for a personal profile or they wouldn't move forward with a business account and immediately I asked for the policy of their institution to show me where I am required to give my S.S # ( Social Security number ). XXXX XXXX XXXX couldn't provide one so I asked to speak to an Account Manager and he brought over, Service Manager, XXXX XXXX. By this time, I had informed her that I was recording the conversation because of their unprofessional conduct and it was made aware with her. I requested for her to present a policy and she couldn't provide one or a remedy. After our conversation, she went to contact the District Manager, XXXX XXXX, whom I spoke with and it was said that I am to required a SS # to open a business account and when I requested for the policy to show where I'm required to give my SS # to get service, she told me that it is Internal for their company and when I requested a copy, she immediately told me that then I can't do business with them. She didn't give me any other options to get the business account open and insisted on me providing my SS # is the only way to get the business account open. Before I hung up, I told her that this is done under duress and it's not fair. She didn't consider the situation at all and insisted that this is how I can only open a business account. Being under duress, I gave up my SS # and still got denied for a personal profile because they couldn't pull my credit which I didnt know they were going to do. I was told that my business account was good but because they couldn't pull my personal credit for a soft inquiry, they couldn't get my business account open. They never showed me that policy. I was denied service by this bank and their conduct was very unprofessional. I told them according to The Privacy Act of 1974, I have a right to privacy in not giving out my SS # especially to be used as an identifier.
Consumer complaint received 2018-07-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greenback Recovery Group, LLC (OH)

Company keeps calling me asking for a particular person. I do not know this person. I have asked several times for them to stop calling me and they still call. I do not owe the debt and I do not know the person they are trying to reach.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I made a complaint to XXXX about a {$50.00} mark in XX/XX/XXXX on my credit report they had on me that was made 7 years ago in XX/XX/XXXX, here now in XX/XX/XXXX they put a 90 day credit freeze on my report. I can't do anything, I am a senior citizen with XXXX, and I can't afford XXXX   here in the US and need to go to XXXX. This I had to cancel till I work this out. I called XXXX and talked to at least 6 people none of which where here in America, and asked a lot of question half of which I couldn't understand, and was transferred every time. This is a Foreign Company controlling my credit and asking for my SS number.
Consumer complaint received 2018-07-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: AES/PHEAA (CA)

First off I tried to choose the best options as possible basically the account I'm referring to went to default when my mother filed chapter XXXX bankruptcy as the cosigner putting this loan and immediately in the default given at the time I know that this was valid yet in my opinion of sketchy practice of the private student loans. 
As of recently they can no longer immediately go after balances or put these loans in immediate default when it cosigner files for bankruptcy as new laws passed in XXXX via Congress. The purpose of this complaint is mainly to get the charge-off removed from my credit report as I was in good standing but this is also part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fiasco that's going on and I'm trying to settle with them at the same time but I feel via as that the charge-off account should be removed as it was a drastic measure and I was in good standing 4 months on months at the time. 

I feel for the time being at minimal the charge off that happened in XXXX of XXXX should be removed from my credit from all 3 bureaus via XXXX   XXXX XXXX. 

As I stated there are new laws that were passed by Congress that protect private student loan borrowers to where the servicer can no longer immediately placed alone in default due to the cosigner filing bankruptcy and I would be happy to supply that documentation if needed to show those laws that were put into place.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

XX/XX/XXXX to XX/XX/XXXX was moved to back of my loan until XXXX for all those months. On all 3 credit beareas it marks XXXX - XXXX late. It's ruining my credit history when I'm trying to buy a family home. I have written creditor XXXX times. And disputed it on credit and called. It was due to a XXXX I had they moved my payments
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

During XXXX shopping, I bought bean bag chairs from XXXX. During the checkout process, I was asked to open a store credit card. I declined and entered my credit card information. Without my permission, XXXX used my credit card account to open a store credit card with XXXX XXXX and then charged my purchase to that account. Well within the return period, we sent back the bean bag chairs and requested a refund. Instead of refunding the money to the credit account XXXX illegally opened for me, they issued a store credit. When I found out what was going on, I had XXXX apply to the refund to the XXXX account and requested that XXXX close the account. I complained to both XXXX and XXXX about the illegal account opening. I was told that the account was closed and paid in full. Now, XXXX is harassing me and charging me ridiculous late fees on the account I never opened. They said I owed {$32.00} ( or something near that amount ) for their trouble in opening an account I never requested be open. They list it as late fees and are continuing to charge me. The amount is simply absurd now, somewhere over {$300.00}. Again ... I NEVER OPENED AN ACCOUT WITH THEM. So ... how can they continue to charge late fees, call my employer, make negative credit reports and essentially work to ruin my life when they are the people who opened an account, WITHOUT MY PERMISSION!!???
Consumer complaint received 2018-07-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (CA)

I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX, XXXX and XXXX were the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Effective XXXX XX/XX/2018 Citibank will charge {$25.00} a month just to have a checking account and {$2.00} for each withdrawal. I have had a checking account in good standing for over XXXX years. This is unjustified and will cause a financial burden for my family.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (WA)

Citimortgage processes partial payments in a manner that is harmful to consumers, who never have a say in who their mortgage servicer is. In my case, they bought my mortgage from my original servicer, so I am stuck with their harmful practices. 

Citimortgage does not apply partial payments to an outstanding monthly payment. Instead, they apply a partial payment as an additional principal payment. It is common for US workers to get paid twice a month. Therefore, it is logical that someone like myself to pay half of his or her mortgage payment from each paycheck. Because Citimortgage applies each of my 1/2 mortgage payments as an additional principal even when the monthly balance is still due, I have to manually call in every month to have them fix the account. If I don't make the call, they send a derogatory note to credit reporting companies or a report other than " on time '' such as " we worked this out '', which appears to impact credit scores. 

Since Citimortgage is a financial institution, they should know how to apply payments toward debts. All financial institutions should be required to apply payments to outstanding monthly balances first. Only once the monthly payment is satisfied should any additional amounts be applied as extra. For example, consider the scenario where I borrow {$100.00} from you, and we have an agreement that I'll pay that back over 2 months as {$50.00} each month. In other words, I owe you {$50.00} in 30 days, and another {$50.00} 30 days after that. If 15 days from now I give you {$30.00}, you would know that I still owe you another {$20.00} to fulfill my $ XXXX monthly payment. You would also consider my outstanding balance to be {$70.00} now. If I give you the remaining {$20.00} 15 days after that, you would acknowledge that I met my $ XXXX monthly obligation. In fact, you would probably be thrilled to get the first {$30.00} well in advance of when the first payment is due! 

This simple logic escapes Citimortgage. Their practice of applying partial payments as an additional payment even when there is an outstanding monthly payment due is unnecessarily harmful to customers ' credit worthiness and potentially to the ownership of their home. 

When I pointed this out to Citimortgage, I was told simply that they do not have a semi-monthly payment plan. However, a payment plan isn't needed. Basic logic and common sense is all that is required.