davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (TX)

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXXXXXX 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.
Consumer complaint received 2016-09-26
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I 've contacted this company numerous times over four years and they still have not verified any information with me. I discovered them on my credit reports when trying to move into an apartment. They have XXXX accounts posted to my credit reports XXXX XXXX and XXXX. Accounts are # XXXX for {$810.00} # XXXX for {$1000.00} # XXXX for {$550.00} and # XXXX for {$1300.00}. After researching this company on my own. I have noticed this company has been sued multiply times for manipulating and compromising information on consumers credit reports. Noticing that also the Consumer Financial Protection Bureau has taken action against portfolios recovery 's Deceptive Tactics to Collect Bad Debts. Portfolio recovery is very sneaky and are very manipulative over phone calls. This has to stop, They will not return emails, Ive contacted them to resolve the issue and they are to multiplicative for me to handle!
Consumer complaint received 2018-04-15
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. (NJ)

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  ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
Consumer complaint received 2022-12-08
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)

Regardless of the multiple written requests, the unverified public records listed below are still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. You are allowing slander on my credit report. Your XXXX  need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete and NOT VERIFIED! 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific information in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to the fraud or extortion. XXXX request of you to remove the following items : XXXX XXXX Inquired on XX/XX/2022 XXXXXXXX XXXX  Inquired on XX/XX/2022. Under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to a stolen identity. If you can not prove that the disputed items are accurate and belonghs to me, immediately remove the disputed items from my Credit File as soon as possible.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (MD)

RE : Trident Account XXXX Dear Sir/Madame : On XX/XX/XXXX I have sent a notice to Trident Asset Management pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
When I called to follow up I was told that they have not received the notice, so on XX/XX/XXXX I filed a XXXX Complaint and forwarded a copy of the same request to Trident Asset Management. 
I have asked Trident Asset Management to validate the account and requested the account related documents. 
Instead of sending the documents to me, Trident Asset Management responded that they have sent something to me XX/XX/XXXX. I have never received any notice, letter or validation documents from Trident Asset Manage Management. To this date my requests for validation remain ignored. 
A certified mail sent to XXXX XXXX XXXX XXXX, GA XXXX remain at USPS PO Box unclaimed ( USPS tracking number XXXX ). 
It seems that the request for validation is deliberately and willfully ignored, and the company is in breach of Fair Debt Collection Practices. 
I do not recognize this debt and I request the company to immediately provide all the evidence to substantiate the claim that it 's a valid debt which I have legal obligation to pay, or cease any and all collection activities which includes furnishing inaccurate and unverified information to Credit Bureaus.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (OH)

I applied for a refinance mortgage loan through Citibank, in order to lower my interest rates which at the present time is 10.02240 %. I was denied and a total of {$660.00}, was taken out of my checking account. It was never explained to me that my funds would be taken out if the loan was denied or I would have made an alternative choice in companies to assist me. 
I ca n't imagine being charge that large of a sum to complete an application for a loan. In the past I have had other companies to inform me at the on set that they would not be able to assist me, before requesting any money at all to be paid by me. I have also tried on several occasions by phone and by mail to reach the loan manager and Citibank N.A . of which neither have gotten back in touch with me. I am truly disappointed and confused that a company would think that a customer would have over {$600.00} to give away, when I am having a hard time trying to pay a mortgage that interest rates are three times more than it should be.
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (TX)

I was approved for a loan in the amount of {$16000.00} in XXXX XXXX and my first payment of {$370.00} was deducted from my XXXX account in XXXX XXXX. Loan # XXXX I was automatically set up on automatic withdrawal payments and was told that I would be able to remove the automatic withdrawal payment option in the future if I wanted. 

What was not disclosed to me was that if I removed the automatic withdrawal from my account, I would be assessed a {$7.00} fee for each payment I sent the company. After closing the XXXX account, I send payments thru XXXX XXXX Bill payment system to the Lending Club. 

XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX XXXX/XXXX/XXXX send XXXX ( which includes the XXXX fee ) delivered by The Lending Club by XXXX/XXXX/XXXX I have received two ( 2 ) emails from the Lending Club telling me that they do n't accept partial payments. These are not partial payments as they are sent to The Lending Club prior to the due date. They are attempting to force me to pay only once ( 1 ) a month. This is a Simple interest loan. I have been bombarded with emails stating that they will apply my payments as " principal only payments '' and force me to pay the payment of XXXX as it is still due.
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, Experian had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
Consumer complaint received 2017-09-15
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: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding has repeatedly sent letter to me to collect on something that I have questioned the integrity of. When I sent the second letter requesting proof of anything that I signed stating I owe money to said company they issued a Warrant in Debt which I am attending and defending myself on. Again I have sent a letter requesting all of this information along with information proving to me that I entered into an agreement with them, asking for proof of said original creditor has not been paid in full etc.
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my most recent credit reports,  XXXX  has reporte  d two student loans ( one federal, one private ) as receiving late payments. This is inaccurate.
According to my reports from all three credit reporting agencies, I had two   payments 90 days late in  XXXX . According to the Navient service rep and my account history, this reporting was caused by the system marking  me 90-days l ate as of  XXXX  date is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on 5/8/2014 XXXX  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  Florida   XXXX  University in  XXXX   XXXX .     These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my Navient history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on  XXXX   XXXX ,  XXXX .  XXXX  responded that they had investigated and confirmed the accuracy of the report.
Consumer complaint received 2017-05-09
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: TD BANK US HOLDING COMPANY (NH)

I have had a checking account with  XXXX  Bank since  XXXX , and refinanced my outstanding credit card debt into a personal loan with  XXXX  Bank in  XXXX . I have diligently made my monthly payment via automatic payments since disbursement, with no missed or late payments, and have paid extra when I 've had the ability to. My father very recently passed and a result my financial situation has drastically changed in order to assist my family with both the expenses of his services as well as the household expenses while we grieve. I have tried to adjust the automatic payment from my checking account to my loan account  ( $  XXXX  on the 6th of each month ) multiple times, and am consistently given the run around. My branch tells me I need to call corporate, and corporate tells me I need to go to the branch, and each of them tell me it would require me to fill out paperwork and submit a request to adjus t my due date. That being said, I have continued to make the payments on time without complaint. This month, however, having this pull would have caused an extreme financial hardship. I called the branch and explained I did not authorize the ACH to pull this month as it would leave my account overdrawn with no funds available for  XXXX  weeks, and I was told the request would be submitted and it would be all set. However, the ACH was still pulled and now my account is in the red. I called  XXXX  Bank 's customer service today and was told in no uncertain terms that there was absolutely no way for me to have them reverse the transaction despite me revoking my authorization. According to TD, I would need to request adjustment/cancellation paperwork  XXXX  business days in advance, complete it, and then mail it back for review. Even if I were to request it now, my  XXXX  payment would still most likely pull as they are making it impossible to make ANY adjustments. I desperately need the   XXXX   XXXX   ACH reversed as soon as possible and some sort of realistic method of adjusting my ACH when necessary.
Consumer complaint received 2017-05-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

Follow-up to CFPB Case Number  XXXX  - I received response from Ally Financial on  XXXX   XXXX ,   XXXX   with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a  XXXX  mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the  Dodd Frank legi slation and the jurisdiction of the CFPB. The response received  from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their  lease agreements. Finally, as someone who has leased vehicles for over  XXXX  years with  XXXX  per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to  Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!
Consumer complaint received 2017-05-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

approximately  XXXX  of    2007 Peop  le 's United  Bank  I r eceived a 15 year loan of {$300000.00} for repairs on m y  XXXX family home.  I am in t he 11th year of   the loan and upon requesting a payoff statement for a closing to take place in approx. 2 weeks, to my astonishme nt People 's United B ank, CT has tacked on a pre-payment penalty of {$13000.00}.   A pre-payment penalty figured out by this bank without even showing me the formula used to calculate it. No interest rate. They say " the guys in secondary figure it out ''. I need help navigating this maze of Bank greediness and criminality. Please help. P.S. The loan payoff is approximately {$140000.00} so the  PPP i s close to 10 %. This I feel is egregious and should not stand.
Consumer complaint received 2017-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX   XXXX   XXXX   XXXX   pulled my cred it three  times in  XXXX  of  2016 .     I did apply to refinance my truck loan in  XXXX     2016  but, I do not understand why my credit was pulled  three ti mes? For the same loan. I have disputed these with all  XXXX  credit agencies and wi thin 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my   XXXX   score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.       Transunion :  XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX  /2016      XXXX   XXXX    XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016    XXXX   XXXX     XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I ha d two Citi  credit cards. They both came with bonus points. After about one year, I cancelled  one  of the cards. Last weekend, I noticed that app rox 72,000 poin ts were deducted. When I call ed Citi, I was told   that when I cancelled, I was told I had 60 days to use those points or they would be forfeited. The representative told me that she would contact me after retrieving the phone call to cancel the card to make sure I was warned.     She called back to tell me they had no record of the cancellation but that they sent me an email with the information. I can not retrieve emails that old but have no recollection of this. Much worse is that the account has an {$87.00} credit balance. Think about this - they ran to take the points away but seem to be fine with holding on to my money. If they had any integrity, and if they truly had warned me, they would have sent me additional emails over those 60 days, certainly by day  55, to  " remind '' me that I was in danger of losing those points. I am very savvy about these things and have been very successful with points - this is totally inconsistent with my history. There is no doubt that their anxiousness to take my points while keeping my money speaks volumes. I want those points reinstated so they can be redeemed. If they had refunded my credit when I closed the account, they might have an excuse. Here they do not.
Consumer complaint received 2017-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I submitted an original complaint ... and the company, Capital 360 responded ... .saying they are UNABLE TO RELEASE MY REMAINING funds ... and YOUR company said ... '' uh ... .okay ... I guess we can close this complaint ... duh ''!!!!! 
What the XXXX is wrong with YOU and CAPITAL 360? 
I have PROOF of the funds being pulled from my boss ' payroll account..I have proof that they are still KEEPING my funds after a MONTH!!!! 
CAPITAL 360 CFFB CASE # : XXXX
Consumer complaint received 2017-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I 'm currently in a health situation that is being corrected. In the time frame, I 've been relatively consistent with my bills. I 've temporarily fallen behind on my payments to credit cards and student loans, however, I 've made minimum payments at the very least until this month. Today alone, I 've received 11 phone calls from Citicards.com By the way, they 've setup their website so that I 'm unable to check my balance or view my account online. I 'm forced to visit a branch to make payments.
How am I able to continue working unimpeded, in order to make payments, when I receive 2 calls per hour?