davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

O n    X/X/17  I  called Transunion and disputed a Bankruptcy  (   Docket #    XXXX  ). The representative stated that the dispute would take up to 30days.  On  X/X/17     I got an email saying my dispute was completed and the Bankruptcy had been " verified '' by Transunion. I called Transunion  on   X/X/17   and  spoke to  XXXX . I asked him how the dispute was verified and also the source of verification.  XXXX  advised me that Transunion sent a letter via US Mail to the Bankruptcy Court located in  XXXX    XXXX   and that the court verified the bankruptcy by letter and mailed it back to Transunion. I told  XXXX  that it is physically impossible for Transunion to mail a letter out o n   X/X/17      and already have received it back from the bankruptcy court o n  X/X/17   which is less than 24 hours from the time the dispute was entered. He insisted that the letter was sent to the courts and that the courts had verified the bankruptcy. I asked him for the name of the person from the bankruptcy court that had signed the letter and verified the bankruptcy. He said he could not give me that information so I asked for a supervisor. While on hold waiting for a supervisor I called the Bankruptcy  Court  (  XXXX  ) and spoke to  XXXX . I asked her if Transunion had requested verification from them or if they had signed a verification letter and sent it back to Transunion, she said that the Bankruptcy Courts do not report or verify information for any of the credit bureaus so Transunion was not being truthful. I then spoke with supervisor  XXXX  from Transunion and advised him of what the Bankruptcy Courts had just told me and also what the other rep  XXXX  had said.  XXXX  then stated that the bankruptcy was verified by a third party vendor but he could not legally tell me who the vendor was. I stated that per the FCR A a Consumer  has a right to dispute and also know the source of the data furnisher. He said that he would not release the name of the Vendor. I then advised him that I wanted the name of the individual from t he 3rd p arty vendor as well as the method that was used to verify the bankruptcy and be also refused to give this information. I ended the call with  XXXX  and I immediately called Transunion back. This time I got a rep named  XXXX  and I asked him how my Bankruptcy was verified. He stated that a Transunion rep  or 3rd party re p  for Transunion drive to  the Bankruptcy court and verified it with the courts. When I advised him that this was not true, he hung up on me. Transunion is not and has not verified the bankruptcy and are lying over and over again about the source and method of verification which is a violation of the FCRA.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (CA)

This issue is an existing problem which Equifax wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-06-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION (AL)

The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan o n the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-10-04
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. (NY)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COAST PROFESSIONAL INC (NM)

Department of Veteran Affairs is utilizing a debt collector called Coast Professionals to attempt to collect an erroneous debt related to the GI Bill. They are incorrectly reporting this debt on my XXXX  credit report in the form of two tradelines. I repaid in full a VA debt that was incurred when I withdrew from a college course. In XXXX of XXXX I received a letter from the VA confirming this debt had been paid in full. I have proof of payment and have supplied it to both Coast Professionals and the VA. They have not removed the inaccurate collections information from my XXXX credit report. On XX/XX/XXXX I requested validation from both Coast Professionals and the VA for this debt and have received nothing.
Consumer complaint received 2017-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I sent a check for total amount due on X/X/2017, Capitol One took XXXX from my checking account with XXXX XXXX XXXX XXXX.on X/X/2017 ( PENDING ) then banking statement showed XXXX out of my account on X/X/17 That was the full amount of the purchase using y XXXX credit card.I then received a past due notice with charges of XXXX fee charge and a total due of XXXX.on X/XX/17 I called Capitol One, spoke with XXXX..Explained my payment was taken out of my account on XX/XX/XXXX..this was not past due!!! He said the was an error with my account..he further explained that Capitol One uses a formula for billing, my check was received on X/X/2017, but billed for X/X/17..that would mean a later payment..I now have another bill from XXXX for XXXX..past due charges that are growing ... my purchase was XXXX paid in full on X/X/2017..now I 'm being charge fees totaling XXXX extra?? XXXX also said there was a fee of an extra XXXX XXXX dollars added to the past due amount, but would not say what this fee was for ... when I asked for an explanation of the totals that do not add up
Consumer complaint received 2024-10-26
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. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, and XXXX. Please delete the following accounts and ANY and ALL inquires associated with the accounts. The accounts are XXXX with a bal. of {$19000.00}, XXXX XXXX Bank with a bal. of {$2200.00}, XXXX XXXX with a bal. of {$450.00}, XXXX with a bal. of {$1100.00}, XXXX XXXX with a bal. of {$240.00}, XXXX AND XXXX with a bal. of {$260.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

So on XXXX, I was approved for a Chase united card with a XXXX limit to it, I was financially stable and reliable to be able to withhold such card and my credit was intact to be able for lenders to trust me. So when I first received the card I took it slowly started using it for everyday gas purchases etc. Keep in mind it was around the holidays a time where items were cheap when I got approved so it was great timing. So my family all have work to do on their laptops and my brother is about to become a XXXX  in hs and they all need new laptops so for a gift I wanted to gift them some XXXX  like 2 XXXX  and with the card I received, I wanted to use that since I wan na build rapport with the company show how much more reliable I am. So knowing it was going to be a big purchase I called chase card services and let them know hey this is the purchases don't block the card but it ended up blocking it while in the XXXX  XXXX  I stood on the phone for more than 30 min trying to get it solved just to find out my account went under review for a fraud alert even though I verified everything was me and I was going to make a big purchase. My account went under review for 10 days so I couldn't use my card. Still wanting to get them a gift I did the same process called right before inserting my card this time to make sure it was ok and I got the go-ahead and my transaction was still blocked just to find out my card went under review again for the same thing. So at that point, I'm frustrated unable to use my card for another 10 days. After the 10 days is up I decided to go get some gas by this time I had already made the purchase for the XXXX  in cash and didn't get the cashback or rewards I would've gotten using the card and found out that they closed my account only finding out when my gas transaction got declined. I called and was told they closed the account and weren't able to tell me the reason and as well as canceled banking relations with me which is absurd because nothing wrong was done I didn't have the card for more than a month and with the closing affected my score drastically and brought my score down hurting me from even proceeding on with my life if I needed my credit for anything. I'm a reliable lendee always made my payments on time with my cards and as well as been banking with chase for 4 years and nothing was done wrong now I can't open a credit card account nor a regular checking they closed me from everything.
Consumer complaint received 2017-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I has submitted a complaint abo ut   XXXX   XXXX   XXXX   (   XXXX  ) a few weeks ag o Complaint  #  XXXX . I faxed in a request to change the bank account my contribution for my IRA was withdrawn from. Only the account was changing, the amount was to stay the same. The update form was faxed at the end of  XX/XX/XXXX  and would take effect for the contribution on   XX/XX/XXXX  . However  XXXX  attempted to withdraw the money from the wrong account. When I asked why this happened, they claimed it was because they were not sure the amount and defaulted to the account that was previously set up. After this I called my Investment Rep and he sent me the same form I had already sent in, which I returned and  XXXX  was able to correct their mistake.   I received a letter from  Huntington Compliance , where they claim I had requested the withdraw to start with   XX/XX/XXXX  , which is incorrect.  XXXX  made a mistake and while this was eventually corrected, mostly with my pointing out all their errors, this is not acceptable for a large company to make mistakes like this.
Consumer complaint received 2017-06-10
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. (FL)

XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.
Consumer complaint received 2017-06-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TN)

DISCRIMINATION AND UNFAIR BANKING PRACTICE On    XXXX   XXXX   XXXX      my wife and I applied for a mortgage loan through Navy Federal Credit Union. Within  48 hrs., w e submitted all requested and required documents to the bank representative who scanned them through their electronic portal.  <P/> Despite our A+ credit worthiness, income, employment stability, and demonstration of our qualification, the bank has continued to delay our preapproval by profiling us, and discriminating against us while using unethical banking practices, and insisting we  apply for an FHA loan, oth er loans, and loan terms that are a disadvantage to us.  <P/> We have contacted the bank representatives countless times to obtain the status of our application but we continue to receive unusual delays and responses. We even escalated our concern to a supervisor only to receive more excuses, delays and unusual requests and responses.  <P/> We 're about to close on our existing home and we have found a home that we 're interested in purchasing, but  NFCU  could care less that their delays will force our family to endure unnecessary hardship and homelessness.  <P/> We are appalled that this conduct and practice is allowed to exist. We are seeking assistance on a resolved end to this madness.  <P/> Please contact us at  XXXX  or  XXXX  XXXX  XXXX  should you need additional information.
Consumer complaint received 2017-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I authorized the credit card to take money out an one-time payment over the phone for  XXXX  different account s (   XXXX ,  XXXX   XXXX ,  XXXX   ) ow ned by the same credit card compa ny ( Comenity Bank ) for   a specified amount on a specified date. The credit card company drafted the money for  XXXX  account on the date specified  XXXX   XXXX  and authorized by me and drafted the amount for the other  XXXX  account on dates that I did not authorized, 7 days later on  XXXX   XXXX . This caused the bank charge me overdraft fee.
Consumer complaint received 2017-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
<P/>
The only open item is for an old credit card with high limit of {$1500.00} and Account #  XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.
Consumer complaint received 2017-06-10
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. (FL)

This complement is for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX My loan : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hi, My name is XXXX XXXX, XXXX gave me a 5 % reduction to pay off my mortgage and they report to the creditors than I owe XXXX {$5000.00} back in 2014 XXXX. Loan # XXXX property address is XXXX XXXX XXXX XXXX, XXXX fl XXXX. <P/>XXXX report my mortgage pay off as a short sale when they gave me a reduction to pay off my mortgage. And they reported the Recording with XXXX  county wrong. Which they are re-recording that 's what they told me and will take 2 to 3 months. Spoke XXXX refused to fix my credit with Experian. When I speak to them XXXX representative they tell me they did not reported as short sale. I am not getting my issue solved by my self.
Consumer complaint received 2017-06-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was not receiving regular communication about my account from my bank. I was not getting quarterly statements like I was supposed to. I also was never informed that they were starting to charge fees for their savings account. When I finally did get a statement I saw the fees and called customer service. I requested that the fees be reversed because I was never told about the fees and I requested a supervisor call me and explain why I was never told and to have the fees reversed. My final request was that the account be closed to prevent this from happening again. I was never called back, the account was never closed, and the fees were not reversed. I asked that the account be closed at least 5 times. And I made the request e to 2 diff erent reps. BofA is defrauding their customers by charging fees without informing them, not sending regular statements, and when requests are made on the accounts, those requests are not fulfilled. I want ALL of my money back, I want ALL fees reversed and I want the account closed. This " bank '' is a joke.
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I run   XXXX   XXXX   XXXX   to foreign countries. In  XX/XX/XXXX  this year I took  8  photographers on a legal people to people tour of  XXXX . One of the group sent a wire transfer to my account at Bank of America from  XXXX  and mentioned  XXXX  in the transfer. I never received the funds. When I followed up on XX/XX/XXXX    I was told that the funds were under review. I continued to follow up every few days but I was never allowed to speak with anyone who was involved with the process. I have still not received the funds. This was a legal visit to  XXXX  under a people to people license and absolutely no money was either sent or received from  XXXX . All payments were made through a licensed operator in  XXXX . This can so easily be verified looking at my account transactions.  <P/>  2 weeks ag o, without informing me, my bank account was frozen. On   XX/XX/XXXX  I s poke to someone in the small business department and he told me I could still use my business account. I had already sent out several checks on that account. I also made a transfer to my daughter who needed the money. On Tuesday I get a call from my daughter in tears saying that the payment to her account had been reversed. Again without informing me, my business account had been frozen. I 'm now left with no money, several bounced checks and I have yet to receive an explanation why this has happened. I 'm told I have to present proof of residency although I have lived in the USA for 38 years. I spoke to the bank 's compliance department when I first received a letter asking for this information and I was told they had all the information they needed. This was before my first account was frozen. After the freeze I sent the information as hard copy and still the problem has not been resolved and I still have no access to my money. This is now extremely serious but the people I speak to at the bank appear to have little concern for my situation. They just tell me it 's under review and to call back in a couple of days. I 'm frustrated at not being told what I am thought to have done wrong and how this can be expeditiously remedied. I am never allowed to speak with anyone actually dealing with this case. I ca n't pay my rent, health insurance, phone bills etc. This is an extremely serious situation.