davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (AZ)

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$11.00} XXXX XXXX XXXX : {$0.00} 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-01-18
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: ALLY FINANCIAL INC. (PA)

Ally Financial put a credit inquiry on my report on XXXX/XXXX/16. I did not authorize this report. I sent them a letter disputing this inquiry and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize this inquiry and I would like it removed from my report.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

Re : Fidelity Visa Credit Card, XXXX XXXX XXXX On XXXX/XXXX/XXXX I made an electronic funds transfer ( bill payment ) from my bank account to my credit card account in the amount of {$1000.00}. I did not receive an email confirmation on that day, nor the following day, nor could I find in my account information that a payment had been made. As such, on XXXX/XXXX/XXXX, I again made an EFT to my credit card account. 
Now, two debits of {$1000.00} are shown on my account, and apparently made at the exact same time on the same date. 
On XXXX/XXXX/XXXX at XXXX XXXX, I received 2 email confirmations showing debits of {$1000.00} On this date, I call XXXX XXXX  XXXX XXXX to request a cancellation or refund, and spoke to XXXX at XXXX XXXX+/- I was advised, in substance, that : This company is a bank, and unless someone shows up for work, no electronic confirmations will be made. XXXX will debit your account immediately, however, to return the inadvertent transfer of {$1000.00} from the float, it may take 10 to 15 days to correct the error.
Consumer complaint received 2018-01-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I sent a letter to Experian XXXX and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (OH)

I moved from XXXX XXXX XXXX XXXX  which is XXXX hrs away from the nearest Truist bank. I paid off a line of credit and tried to close all accounts in XX/XX/XXXX. They did not end up closing the checking account because I couldnt get to a bank in person. They then charged me an overdraft fee to a line of credit through the bank even though none of the accounts were active and had a XXXX balance. I then called back in XXXX to take care of it again and pay the fees they applied to my account. They again began telling me that I needed to do it in person and they couldnt close the account because it had a {$3.00} overdraft fee they applied on an empty account, I dont even have an active debit card for this account. After XXXX mins on the phone and being transferred around until finally ending at the branch I set the account up at, they said it was taken care, which it is probably not because it wasnt before. Also, the app constantly locked me out being of no use to retrieve information. I had to track down my old driver license that I havent used in 4 years to get them to access my account instead of just resetting my password. Then once in the account the only way to pay this line of credit if through the checking account which I have no easy way of accessing since I dont live near a bank.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having?

Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXXXXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about?

XXXX, XXXX and Equifax Step 5 : Who are the people involved?

All the major credit bureaus of which I have filed a dispute with all three
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
XXXX, Transunion and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CT)

When making 'payments ' on the charge account at U.S. Bank XXXX the 'payment ' comes out of my bank account immediately - sometimes the same day, otherwise the very next day. Problem is U.S. Bank sits on it for at least a week 's time and makes the credit unavailable for use. One week 's time is absolutely excessive in this day and ago. I do n't know what kind of game they are playing by doing this but you know it 's got to be something as financial firms do not have the consumer 's interests at the forefront. Thank you.
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DC)

What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my Experian score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
Experian, XXXX and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Not only does capital one show me as having my credit card for 13 months and I had it for half the amount of time, it shows late payments when I was placed on auto pay. I made a bulk payment as I often did and it was held and not applied. I contact several agents. This issue was never resolved. My money was held and account was closed. I received several adjustments for the mishap however was told they were unable to remove the late charges and I would have to contact the credit Bureau in efforts to have this late payment removed..I request to be removed from autopay and was still being drafted monthly on the XXXX.
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (FL)

I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with Experian and XXXX getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.
Consumer complaint received 2018-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Doing the hurricane season, Florida was decaled a disaster area, I applied for a three month forbearance with US Bank and they told if after the three months, if I could n't pay it back, their would work with me on it, Well a few days after it was due, they put me in the credit burial and when I call them, their would say that they are working on the modification that I applied for and that the underwriters are working on it. I told me nothing would happen to my credit and it need.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XXXX XXXX, 2017, I wrote to the company asking them to validate debt as I did not have a contract with Portfolio Recovery ever. They sent me ( 4 ) bills to validate debt which was from ( 4 ) different companies, for 4 different accounts. I have never opened any account with Portfolio Recovery. I have tried disputing this debt on numerous occasions as I did not have any contractual agreement with this company. Sending a bill is not validating an account with said company. I have asked them to show i actually signed and agreed upon said debt. The amounts on the bill does not attach what has been reported to my credit report. 

Accounts : 1 ) XXXX XXXX {$680.00} 2 ) XXXX XXXX {$490.00} 3 ) XXXX XXXX  {$440.00} 4 ) XXXX XXXX {$380.00}
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I transferred XXXX from my bank account via SEPA to Coinbase on the XXXX XXXX XXXX 2018. After more than 1 week the money still has not been transferred to my coinbase account or refunded to my bank account. I contacted their customer service and they opened at ticket. My case number is : # XXXX I included the reference code, my identity has been verified and my bank account details are matching to the ones Coinbase has.

The customer support wrote me that if the information is matching, they " might '' be able to find it. This is an insolence because I have it in black and white that Coinbase received my money.

I have n't received any news or updates on the case since 4 days and Coinbase stopped replying to my messages.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MO)

Previously filed matter with XXXX. 

XXXX sold faulty product to dealership and ultimately fell on consumer. 

Matter was shared with lender, yet they disregarded matter entirely. 

Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. 

Mater was brought before lender through XXXX vs XXXX XXXX XXXX. 

Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. 

XXXX negligence, as well as lender disregard placed undue burden on consumer. 

Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. 

Vehicle shows noted signs of defect while driving. 

Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (IL)

On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX, as well as XXXX XXXX XXXX XXXX and XXXX each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as on XX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX. I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.
Consumer complaint received 2018-01-18
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: U.S. BANCORP (GA)

I did not make this purchase : XXXX/XXXX/XXXX XXXX  XXXX XXXX {$190.00} I did n't make any of these either : XXXX/XXXX/XXXX Auth : XXXX Payments {$19.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$14.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$810.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$120.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$110.00} XXXX/XXXX/XXXX XXXX XXXX XXXX Ca {$59.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$730.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$23.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$54.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$29.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$32.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$12.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$16.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Wa {$7.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$8.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00} XXXX/XXXX/XXXX XXXX XXXX XXXX  {$190.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$590.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$150.00} XXXX/XXXX/XXXX XXXX XXXX Ny {$160.00} I did n't. I do n't know who did. I have n't done any business or received anything from them. I figure my card was stolen and I reported that months ago. I have no choice but to continue complaining until the situation is totally resolved.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I just received an email saying I owe {$640.00} and a payment is due XX/XX/XXXX.  There is a BIG problem! I do not owe any money to Capital One. XXXX and XXXX owes {$640.00} to Capital One. The last time I heard anything from XXXX XXXX. about my case was XXXX XXXX or XXXX. In the letter they sent me was letting me know that it could take 90 days to sort things out with my case. I have not heart from XXXX XXXX since. On XX/XX/XXXX, I disputed the {$640.00} charge because the XXXX products ( XXXX 4k Blu-Ray Player ) I bought from XXXX was supposed to come with {$1200.00} worth of FREE 4K movies. I had never received {$1200.00} worth of FREE 4K movies that was advertised at XXXX and XXXX. When I tried to return the product to XXXX, XXXX told me that " You can not return the player, you can only exchange the player because of Copy Right Laws. ". I contacted XXXX about the movies and they refuse to do anything, I then contacted XXXX about it and showed them the email XXXX sent me and XXXX told me I need to contact XXXX. I then Filed an complaint with the BBB against XXXX and XXXX. XXXX refuses to do anything, XXXX still refuses to do anything and tell me I need to contact XXXX. XXXX had closed the case or cases because they refuse to do anything. How is it my fault when XXXX and XXXX committed fraud?!?!
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (IL)

I have an auto loan with Westlake Financial. This a loan that was transferred to Westlake from XXXX. At any rate, I felt forced to cut off any verbal communication with them in XXXX of 2017 to where I changed my cell phone number. My payments are due on the XXXX of each month and if the XXXX comes in with no payment yet they would robocall my phone 3+ times a day from several different phone numbers. One time I had even called to give them a double payment after being over 30 days late and was greeted by a very nasty agent threatening to take my car if it were even seen in a grocery store parking lot ... all the while calling them at the time to give them two payments and have the account up to date. I am rarely as much as 30 days late. 

I have been trying to make my payment online as I typically do. I 'm assuming they are mad they do n't have a phone number to robocall me at so they have made it so I can no longer make my payment online ; which I 've been doing since I changed my phone number. I click to make the payment, fill in everything and get a message telling me the payment date must be between the date I 've selected ( which is the current date ) and the previous day. If I drop down the calendar to try and make a different date selection the calendar is grayed out and not allowing me the ability to select any dates. I have screenshots of all of this. It occurs despite the total amount I put in as well. 

In the morning I will use someone else 's phone and block their number, so they do n't get robocalls, before calling Westlake to make the payment but can this be fixed? This is really unfair to those of us making honest attempts at paying our bills and being prohibited because we do n't want to call to end up getting harassed by the agent on the other end of the phone or having our numbers added to their robocall list.
Consumer complaint received 2018-01-18
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. (NY)

There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}