davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2018-12-10
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I've disputed an item reported to ChexSystems by XXXX XXXX  several times in an attempt to get account validation done correctly. Each time ChexSystems has written back saying the information is correct, validated, and to contact XXXX XXXX. 

Identifying information and status listed in this item is not mine and incorrect and they are refusing to delete this inaccurately reported item. 

The Status date says : Unpaid whereas XXXX XXXX  says : Charged Off The reported driver 's license number ending in : XXXX is not nor has ever been mine They are reporting 'NSF Activity ' and have yet to provide any documentation showing as such. 

Also, XXXX XXXX  is actively using a 3rd party collection agency reporting to XXXX, XXXX, and XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX. How can they both be reporting different information to different bureaus and it still be accurate. Two entities can not actively collect on the same account.
Consumer complaint received 2024-11-02
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. (TX)

I am writing to request the removal of an unauthorized inquiry from my credit report. I am a victim of a recent data breach, and my personal information has been compromised. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this fraudulent inquiry be blocked and deleted from my credit report. 
Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (GA)

XXXX has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that PENTAGON FEDERAL CREwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-11-02
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. (GA)

I am writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year>
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Equifax you stated verified XXXX to CFPB report so I filed another dispute on XX/XX/2018 but on XX/XX/XXXX andXX/XX/2018 You reported account removed from credit report BUT still showing on report as of XX/XX/2018 CFPB case # XXXX  you state to the CFPB on XX/XX/2018Account # XX/XX/7318 was DELETED from credit report enclosed is the documentation of the statements .lets settle this once and for all remove this account from my credit report now Forever as stated in documents enclosed so I can Close these dispute with you, Also please tell how my score dropped another38 points when it states no change on your documents
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank is reporting invalid information to the three credit bureaus. After calling in to Synchrony Bank on XX/XX/2018 speaking with 2 customer service representatives, I was told that the accounts that they " say '' are mine XXXX and XXXX have been sold to XXXX XXXX and that Synchrony Bank has no contracts or information on these accounts. 

XXXX XXXX sent me documentation as well as the three Credit bureaus sent me and updated credit report, stating that they have has ceased collections on these 2 accounts and have stopped reporting to the three credit bureaus therefore these 2 accounts were  removed from my credit reports. 

How is this information being verified when Synchrony Bank stated that the accounts were sold to XXXX XXXX and XXXX XXXX has Ceased Collections because they couldn't validate this debt as belonging to me?
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Last year I applied for an received a Capital One Quicksilver credit card. It featured an interest free period and other features. 

I paid my balance in full and on time every month. 

When the interest free period expired, I was hit with an interest charge, although the statement balance, as usual, was paid in full BEFORE the due date. 

The CSR told me that I would be charged interest on my balance for two consecutive  months after the interest free period ended regardless of whether I paid the balance in full or not. 

WHAT??? 

Apparently this ripoff is buried somewhere in their fine print. 

I have always been under the impression that if you pay your statement balance in full every month, you will not be charged interest, since there is nothing to charge interest on! 

I question the legality of this policy. It should NOT be allowed. 

I cancelled my Capital One card, paid the balance in full and closed the account. Good riddance. 

As far as Capital One is concerned, I PREFER TO REMAIN ANONYMOUS. I do not trust Capital One and would be concerned about retribution. My complaint is rather generic, so there is no need for them to associate it with a particular account. 

If the bureau would like the account number of this Quicksilver card, I will be glad to provide it confidentially.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also according to 15 USC 1681s-2, they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NY)

On Saturday XX/XX/XXXX  , I w ent to a  Citibank bra nch located at :   XXXX   XXXX   XXXX  ,  XXXX   XXXX , NY  XXXX .  <P/> I asked the personal banker there, to open an account based on the {$300.00} promotion advertised b y Citibank.   <P/> She said that she can assist me with this. Then she asked if I had been a previous customer wi th Citibank. I re sponded that I had been a prior customer and that I had closed my accounts wit h Citibank as of  XX/XX/XXXX .    I was told by the personal banker that the rule for eligibility for the promotion is that I should not have bee n a Citibank customer in the last 24-months.   <P/> I brought to her attention that the disclosure print in the promotion states that to be eligible for this offer, the customer must not be OR have been an owner of a citibank account in the la  st 60-days.
<P/>
The personal banker, told me that based on Citibank 's own rules, the rule is 24-months and that I would not qualify for the promotion. However she did offer to open an account for me, but without honoring citibank 's own advertised promotion.
<P/>
I then proceeded to speak with the branch manager on duty then. She explained that Citibank has its own internal policy which explains to not honor cash bonus promotions unless the customer did not have an account in the last 24-months. She did not care to read the disclosure to the current offer that I had asked for, but she was willing to show me prior offers that had disclosures of the 24-month limitation. I refused her explanation as those offers were already expired or were different from the current offer I had asked them about. She also could not provide any written explanations on why the {$300.00} offer could not be honored. Additionally, she kept pointing to an internal citibank rule ( she could not show it to me ) to not honor cash offers unless there was 24-months since the customer closed the previous account.
<P/>
I re-read the fine print and the whole disclosure, and I still did not see any hint or anything related to the 24-month limitation.
<P/>
What made me file this complain was the excellent work that consumerfinance.gov did in here.
<P/>
https : //www.consumerfinance.gov/about-us/blog/citibank-to-refund-700-million-to-credit-card-customers-for-unfair-and-deceptive-practices/ I am attaching a copy of the offer to support my complain.
<P/>
Thanks.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

We completed a short sale on this home XX/XX/17 and Carrington Mortgage was paid {$35000.00} from the short sale proceeds. The XXXX at the time of closing was {$58000.00}. The client has now received a XXXX saying she is being forgiven of {$79000.00}. Although we understand the XXXX is not the same as the payoff quote, we don't understand how there is such a discrepancy. I contacted Carrington on XX/XX/17 via phone and asked for clarification on the {$79000.00}. The rep told me she would have it researched and I would have a response in 5-7 days in writing. I never heard back from Carrington and our client can not file her tax returns without the correct information, so I called again today. I was on the phone over 3 hours and transferred back & forth between collections, customer service, short sale and the tax department. All parties indicated they can not see any information and are unsure where the number came from. So Carrington has issued a XXXX with information that they have no basis for?? The last rep indicated it is my responsibility to prove they are wrong by faxing in a dispute. I have just done so, however this is further delaying my client in filing her return.
Consumer complaint received 2018-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (AZ)

Account was charged off in XX/XX/XXXX. As of XX/XX/XXXX it is still being reported as a past due balance on my credit report, which is negatively impacting my ulitization score. This is unfair reporting because my credit score was  orginially impacted when the card was charged off in XX/XX/XXXX.
Consumer complaint received 2018-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I currently am the co-signer on my son XXXX XXXX XXXX 's loan. I pay {$100.00} per month on the loan with a current amount due of {$65.00}. When I looked at the loan balance only {$22.00} came off the principal amount. Looking further into the bill it show in the loan information section unpaid interest of {$52.00}. In the billing summary it shows I am being charged interest of {$77.00}. This is a significant discrepancy. I called Navient and spoike to XXXX ( Employee # XXXX ). When I asked her about this she told me I am being charge {$2.00} per day for interest. I told her about the difference in the 2 places where the interest was shown and she said that the higher amount was correct. So then I asked her why it shows current amount due as {$65.00}? she did not have an answer for that and kept repeating that I get charged {$2.00} per day. So I asked her that if I pay the current amount due every month does that mean my loan will never be paid off? she said yes that is exactly what it means. I told her that is ridiculous. How can you give me a minimum amount due and nothing comes off the loan in fact the principal grows. I think this is a deceptive practice on Navient 's part and they are taking advantage of young students. This practiced should be illegal.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion was tasked with investigating and running disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After making arguments about a disputes items being investigated incorrectly and being put in XXXX XXXX for 1 hour I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification XXXX. Received all deletion files XXXX. Received a updated and accurate credit report from XXXX XXXX. Received fraud reports XXXX. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion only admitted to not running disputes at FCRA standard as prev
Consumer complaint received 2018-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (PA)

When I opened my account it was XXXX XXXX XXXX. Years later it switched to key bank. The whole transition was a mess. 
They do not stand by what they claim There is a major disconnect in the branches. When you have a banking issue the branch will tell you to call customer service and when you Do they tell you to go into The branch. Mobile deposits get delayed And charge you a over draft. Even when it clearly states if made before XXXXXXXX XXXX there avliabe the next day. I've called and spoke with customer service several times where they adjusted my account for this these issues. Only to have the fees hit my account a day or two later. 
They held one deposit I made at a branch for XXXX days claiming I signed something that acknowledged that. But never showed proof that I did so. 
After countless emails and calls. Over drew my acccount and charged me ovef400 in fees. 
You can never get a hold of anyone, there no chain of command to calll over issues I feel like this bank will hold your deposits or delay mobile deposits to cause your account to be charged over drafts.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service (AL)

O n  XX/XX/XXXX  I called Military Star to see w hy my online payment did not go through o n  XX/XX/XXXX  like I ha d made on the website. When I called on the   XX/XX/XXXX  and ta lked to someone to try to find out if it went through, the lady was rude, she asked mine and my husbands name, address, telephone numbers, checking account number, MY military star card number, and asked if I or we were both joint on our checking account. Then she put me on hold for  five mi nutes, When she returned she asked if my husband was here and he was not he was driving on his way home from out of state. I asked if there was a problem and stated that I was just trying to figure out if my payment had went through or if I did something wrong. She said her boss said as a  one tim e, courtesy they would give me the information I was needing just this  one time be cause on the online account it was only listed as my husbands name and not mine on the payment option on the website. She said the payment was set up to come out i n XX/XX/XXXX    and  not    XX/XX/XXXX .  So  it looks like I accidentally hit the wrong option for the date. I then asked her if I would just need to go back online and re submit the payment and correct the year and she said she could n't give me that information and asked if my husband was around again. I understand completely that they are just doing there jobs and they have all of the protocols they have to go through for proof, but she had asked me everything possible and seen that I was on the account as well and for me just simply wanting to know about if my payment went through or not.I should have not gotten this treatment and she should have not gone around in circles for just the simple information I was needing. This needs to be addressed and the company needs more training with their customer service skills.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC. (WI)

My account is not being updated. I use a app called XXXX XXXX and the bank is n't updating my information. It 's saying my account is negative but it 's not.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On  XXXX    XXXX   My  XXXX  yr old son which is on my act. made a deposit into the Bank of America ATM of a  XXXX  check and  XXXX  cash. Immediately after the deposit he received a print out that said they have placed a block on his act due to irregular activity. He then called the # on the reciept and the teller said they have lift the freeze and told him to withdraw money to see if it would work. He then withdrew  XXXX  and thought all was well. The following day he attempt to use his card to buy a drink and it was declined b/c there is still a block on the act. Thursday night I called BOA and they transferred me to several people. I explained what happened and said I have a reciept showing the  XXXX  check +  XXXX  cash. After being on the phone for  3 h rs straight and no one could tell me why the act was closing besides there was a " cash jam ''. I wanted to know how he received a reciept for a  XXXX  deposit if it jammed, also with BOA. It takes up to 40 bills and only excepts bills it reads and and says what it reads along with having cameras. Still nothing resolved! Friday morning I went to my branch and brought the  two  receipts. After being there for over  2  hours. All they could do is give me the  # s I  have already contacted. They also said they have had several complaints with that particular ATM. and it was weird I have a reciept with the money in question, but they still closed the act. They suggest filling another complaint, so I did. They said come back to the bank on the following We 'd  XXXX  and they will have more info. When I showed up on Wed all the bank manager could do is give me another # to make another complaint, she also said they have sent a cashiers check of  XXXX  on  XXXX . This will be the 3 complaints with the risk dept, ATM service, claims dept. Since then I have been on hold, hung up on collectively of  5+  hrs trying to understand why they wo n't allow him to get the  XXXX  that he deposited and how can he have a reciept with the money that was deposited if it spit it out. Thanks for any help!
Consumer complaint received 2018-02-12
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. (CA)

XXXX charged me. i never authorized that charge or even get their credit card. after calling them repeatedly i was unsuccessful. i filed a dispute with TransUnion. The response from TransUnion on XX/XX/2018 was that they reinserted in my credit report with no explaination.