davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
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. (NE)

There r names on my credit report. Transunion my address says Georgia. Please help take that offf as it is not my address. Also on XXXX  it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on XXXX the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXXXXXX XXXX XXXXXXXX California, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with XXXX and need help to protect my identity. I had fraud which caused me to close debit card and XXXX XXXX  loss and had XXXX XXXX  lost in XXXX  account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling XXXX  and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from XXXX and fraud. It also caused me to not have a credit report score and I was denied a XXXX. Thanks
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO. (NY)

From XX/XX/2023 to the present there is no access to this checking and savings account. There is a negative balance which has been sent to the check and banking reporting service and there are several transactions which have occurred where nothing has been delivered or purchased on the account. There are also bank cards that have been issued on the account and someone has been calling the bank to have any previous credits which were issued as a result of fraud reversed for the charges to be deducted from the account. Most of them are internet purchases.
Consumer complaint received 2023-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am exhausted and it has taken a toll on my health. This company continues to report credit card fraud on my account. I have been turned down for numerous things because of this including my rest home. I called XXXX XXXX  as they requested and they have removed it and investigated it but LVNV is still reporting it.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> a loan from the company was initiated. However, I did not give this company information nor request any loan from them. I received several notifications from my bank XXXX XXXX Trans Union and XXXX. I reached out to XXXX and Trans Union and they both requested that I contact consumer finance production bureau and or the FTC for fraud. I tried contacting the company with the information that was listed on the credit report however, the number says that it is not a working number or is inoperable. Overall, it should be removed immediately.
Consumer complaint received 2023-12-09
Product: Credit reporting 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. (NY)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX XXXX I booked a stay on the Capital One XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/2023 to XX/XX/ ( confirmation number : XXXX ). In total, XXXX {$1600.00} was charged, with {$300.00} travel credit from my Capital One travel bank, and {$1300.00} being charged to my Capital One card ending in XXXX. These screenshots are attached below. 
When I arrived at the property on XX/XX/ at around XXXX, I was informed that I had no booking with the property. The front desk then told me that the reservation I had was cancelled because of a cancellation of the third party that Capital One used to book the reservation. I called the Capital One travel support, which said that they would give me a refund for my booking along with a {$100.00} travel credit as compensation. 
Since then, I have called Capital One multiple times ( XXXX times ) regarding my refund. I have been told by the representatives that they will contact the hotel partner and hotel to give me a refund back. The property has me a partial refund of {$980.00}, credited to another credit card ( not the original capital one card that I booked with ), but Capital One XXXX, which I booked with, still has not given me any refund. XXXX attached below. 
It is unacceptable that after over a month timeline without a proper booking reservation, Capital One has still not provided me with a refund, after reaching out over 5 times over the span of a month. Each time, I am told I will get a call back with a resolution, and each time, that does not happen.
Consumer complaint received 2024-01-19
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. (MO)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at XXXX XXXX XXXX XXXX XXXX, GA XXXX before.. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2018-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS, Inc. (MO)

I received a collection letter on XX/XX/XXXX for property damage and unpaid rent. {$3.00}, XXXX is the amount owed. I do not owe this debt and I also had no knowledge of this debt.The rental company kept my deposit on XX/XX/XXXX so I was under the impression that they would repair the property with the kept deposit. I spoke to the collection office on XX/XX/XXXX and it was then that I learned of the debt which I believe is not valid.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened an estate account for my deceased mother at Citizens Bank in XXXX ( XXXX XXXX ) upon opening account I felt very uncomfortable with the XXXX at Citizens bank on XXXX XXXX in XXXX. So I filed a complaint with Citizens ( # ID XXXX ) and I thought I broke ties with her and that branch. It was my belief she would have nothing to do with me or my account. On XX/XX/2024 I visited Citizens bank on XXXX XXXX in XXXX I attempted to withdraw {$5000.00} from my account I had a balance of {$7000.00} the manager at that branch calls the Manager of the XXXX XXXX branch to verify my account. She then told me she was instructed by XXXX XXXX, whom I lodged a complaint about, not to service me if I wanted funds I pleaded with her to check there system I have a complaint against her but she would not check and Insisted I have to go there she would service me. Upon my arrival she says my balance is {$200.00} dollars she stole {$5000.00} from my account I made one trans action withdrawing one of the {$2000.00} she did not steal
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My information was sold and bought illegally because I was a victim of the breach. I want these Items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has donenothing. Please help me delete these illegal accounts from my credit report. List all those negative accounts from your XXXX credit reports.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXXXXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I am writing to formally dispute the accuracy of XXXX XXXX reported by XXXX XXXX concerning an alleged debt on a Capital One Bank credit card account. This dispute is filed under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

I was shocked to discover that my recent credit report contains a XXXX XXXX " collection '' allegedly owed to Capital One Bank, initiated in XX/XX/XXXX. This information is categorically false and incorrect. I do not owe any amount to Capital One Bank as alleged in this report. The information being reported is false, inaccurate, incorrect, and fraudulent. 

It is important to note that the matter about the Capital One Bank account was conclusively resolved through a Joint Dismissal With Prejudice in XXXX. This legal resolution unequivocally confirms that there is no outstanding debt or obligation on my part regarding the said account. 

Attached are copies of the relevant documents that substantiate my claim. These documents include the legal dismissal paperwork, indicating a full and final settlement of any claims associated with the Capital One Bank account. 

I request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the correction of this inaccurate information on my credit report. The presence of this erroneous entry has the potential to unjustly affect my XXXX XXXX and financial reputation. 

I trust that upon review of the attached documents and an investigation into the matter, the necessary corrections will be made to my credit report, removing any mention of this alleged debt. 

Thank you for your attention to this important matter. I look forward to a swift resolution. Please feel free to contact me for any further information or clarification needed.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

On XX/XX/XXXX, I received a letter from Weltman, Weinberg & Reis Co., LPA. 
This letter notified me that they were acting on behalf of XXXX XXXX, and that the letter was an attempt to collect a debt of {$5100.00}. On XX/XX/XXXX, I mailed a letter to Weltman, Weinberg & Reis, at the return address listed, requesting a validation of this debt. As of XX/XX/XXXX, I had yet to hear back from this firm and had since moved onward. 

However, today at XXXX. I received a text message from a debt collection firm, offering to represent me in my " upcoming case '', and referenced a case number in my local Municipal Court. This case number shows that Weltman , Weinberg & Reis has filed a judgement against me, ignoring my request for validation. While I have yet to receive an actual letter regarding this upcoming case, court records clearly show that this is indeed the current state of this issue.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

XXXX XXXX requested for {$20000.00} to checking account and advance never received. I was also charged an {$800.00} fee. These charges are still on my account. For over a month BOA would not, or could not, say where the money was but eventually found out it was sent to wrong checking account number. I was told I had to contact XXXX XXXX Bank to see where the money was. I did and XXXX XXXX could not provide any info about a checking account number that was not mine and told me BOA had to figure this out. I placed many calls to BOA and they would not advance the call to someone who could help, or provide information on how to resolve. I followed the procedure on BOA 's web site to resolve errors for electronic transfers and sent information by certified mail. They state on their web site they will respond within 10 days of being notified. Today is XXXX and they were " notified '' ( first date they identified what happened and said they would work on it and refund money within 30 days ) on XXXX. They received the letter by certified mail on XXXX. To date there had been no response from BOA. Today I called BOA again to try to see if they are taking steps to resolve this issue and after XXXX minutes on hold was disconnected.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I have an ongoing complaint with Citizens Bank, and they did respond. However, they sent a letter to an address where I do not receive mail. I spoke to Citizens Bank Consumer Loan Servicing Department on XX/XX/2024 to notify them they sent mail to an address where I do not receive mail. And worse, could get me killed.

When I submitted the original complaint to CFPB, someone from the Office of the Chairman called me. We discussed the fact that my mail
should be sent to my mailing address on file with Citizens Bank. And I was assured it would.

I shared that sending my mail to my mailing address is of utmost importance to the privacy of my physical address and to my personal safety. I shared that if my physical address becomes public, I could be found and murdered. I was assured that my mail would be sent to my XXXX XXXX XXXX 

Citizens Bank has used my XXXX XXXX to service my account for as long as I have had an account with them.

I am simply asking Citizens to not jeopardize life, to use the XXXX XXXX mailing address listed on my account.
Consumer complaint received 2024-05-07
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. (FL)

I am writing to dispute and request the immediate removal of a fraudulent accounts from my credit report. I have filed a dispute, citing identity theft, and have contacted the bank associated with these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The bank has verified the authenticity of the identity theft report and recognized a potential system glitch hindering the access to records. They have guaranteed the prompt removal of the fraudulent accounts, which has been in existence for over 7 years. 

I demand that you remove this fraudulent accounts from my credit report as per the resolution agreed upon with the bank. Your prompt attention to this matter is essential.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union for their practice of imposing excessive return item fees. Recently, I have been subjected to a series of fees that collectively amounted to the entirety of my paycheck. This action has not only been unethical, but it has also caused significant financial hardship for my family and me. 

The imposition of such heavy fees in one instance seems to demonstrate a lack of consideration for the financial well-being of members. It is distressing that an institution, which should have the best interest of its members at heart, adopts such practices that appear to be predatory and indifferent to the consequences faced by its customers. 

I urge the Consumer Financial Protection Bureau to take my complaint into serious consideration and to investigate the fee structures and policies applied by Navy Federal Credit Union. It is crucial to ensure that consumers are protected from unreasonable and burdensome financial practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We feel Carrington is knowingly and intentionally working against us, they are NOT working with us on a loan modification. 

FRIST, we applied for assistance through XXXX XXXX XXXX XXXXXXXX, we were APPROVED for assistance and a letter of guarantee was sent to Carrington on XX/XX/XXXX the funds were never applied to my account. The money disappeared!!! 

We applied for a loan modification with Carrington, we were sent documents to sign and have notorized and return. To which we complied. The we received notice that our documents did not pass there quality control department. 

We did ask why didnt they pass inspection, so we didnt make another mistake and we were advised of the error. 

We asked for a new set of documents ( we have no way to print ) it took several request Before we received a new set of documents. 

We received the New ( second set ) Documents on XX/XX/XXXX ( we have documentation from XXXX ) we signed and had them notarized on XX/XX/XXXX and returned to Carrington documentation shows Carrington received the new documents on XX/XX/XXXX I received an email from Carrington representative XXXX XXXX on XX/XX/XXXX Stating that the second set of Documents did not pass there quality control inspection And the loan modification was cancelled and our home was being sold at a foreclosure sale XX/XX/XXXX We ask XXXX XXXX at least 8 times why the SECOND set didnt pass and how could the quality control department properly inspect documents, schedule a foreclosure sale. When our. Loan Documents were in their possession less than 24 hours. It appears Carrington Was already planning forclosre We just keep getting the run around from XXXX XXXX, she either ignores our request Or she keeps repeating information from the first set of Documents. 
We truly believe that the SECOND set of Documents were correct ( they were reviewed by 2 notorizes thats why we can not get any answers.

NOT ONE PERSON especially XXXX XXXX, CAN NOT answer WHY the second set of documents failed quality control! 
ALSO Carrington is VERY discriminatory towards XXXX people! I have notified them About a dozen times that I DO NOT use a phone, I have severe hearing loss and can not differentiate between certain vowels. 
But Carrington offers no assistance for elderly XXXX people. They say call!! 
My wife is on my account, she is XXXX, shes had 15 surgeries YES 15. So a lot of Times she not well nor coherent enough to call all we asked of Carrington is to allow an extra day to respond to emails.
Consumer complaint received 2024-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

Hello, I have been contacting Bridgecrest since the end of XXXX to inquire about deferring XXXX monthly payment. I had an unexpected expense of {$7000.00} to replace a XXXX  XXXX XXXX. I was told in XXXX to set up payment arrangements with a partial payment for XX/XX/XXXX and the other for later in XXXX. When I called about the partial payment, I was told that I do not qualify for the extension and I had to wait until next month. I borrowed and was able to satisfy the payment. 

Since then, I have called practically every week after a deferment option for the XX/XX/XXXX payment. I was told to call on the XXXX or XXXX and since I had at least XXXX pymnts, no nsfs, no prior extension, I could then be submitted. I called yesterday, XX/XX/03, I was told I do not qualify for an extension. I asked if I had to wait until tomorrow, I was advised I could try but an extension is on a case by case basis per account. I asked again for minimum criteria : hardship, at least XXXX paymdnts made, and no nsf. Looks like I meet the criteria. The person told me that the company usually prefers the consumer to be at least 60 days past due. I again asked for the extension/deferment criteria, which I show I meet. 

It I called back today, account XXXX  day past due, was told that I have to have dire need. What?!? I had to pay for an AC unit, Im sorry that im not XXXX. I am asking for assistance eyrh deferring 1 monthly payment and/or the qualifications in writing for extension eligibility. Something should be easily shared with a consumer or regulator. 

Please have someone contact me by phone or email to discuss deferment options.