davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
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Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I complaint to their executive office about not having online access to my new account ending # XXXX and they were over an hour on the phone with a Rep by the name XXXX and the call ended after following troubleshooting steps that was submitted to their digital office to be dealt with their back office and I was promised that they will call me back with a resolution within a day, after over a week on XX/XX/XXXX I called back XXXX and asked what is going on and he had no clue and after being on the phone with him for hours he just didn't seem to know whats flying and what was last week only after a nailed him down he agreed to listen in to last weeks convo and came up that the escalation was rejected which is non sense as we all confirmed the submission while we were on the phone, he seemed not be knowledgeable nor capable to handle this before listening into the convo he just wanted me to redo things again and again.I demanded to talk to a Supervisor which he transferred me to someone by the name of XXXX and he was the same non sense and also promised me to call me back and he never called me back so on the XXXX I called back XXXX and he again started with the same none sense and couldn't explain me why the escalation was rejected in the first place and he just kept on going in circles with me. I was left without any resolution.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

We moved to XXXX XXXX XXXX XXXX. We resided in one apartment from XXXX  Then we moved to a second unit in XXXX, where we resided for two years, until XXXX. When we left in XXXX we were not allowed a move out inspection, we weren't sent an itemized list of damages, not were we provided any receipts to substantiate repair costs. We never received any return on our security deposit, and we simply cut our losses and moved on. Now, we have been contacted by debt collectors who have not been provided with any substantial evidence to verify any debt. They have not furnished us with documents to establish that the debt exists or is valid. They seemingly have not read their own evidence as they furnished us with our initial lease for a different unit.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted all three credit reporting agencies explaining, I am victim of Identity Theft and the accounts they have listed do not belong to me. Request the credit bureaus to remove any incorrect, inaccurate, or fraud information and accounts from my credit report. Also requesting them to investigate the matters because the account was not open by me, they came back as accurate. I am a victim of Identity and whoever has opened these accounts is suing my information without my permission. The fail to remove any items off of my credit report that i did not have any Assocation with. I recently we went to try and apply for a mortgage for a new home for my daughter and I. Just to know all my hard work and earnings will not be able to get me into our dream home, because someone is using my identity. I have already filed a report with my local police department as well and the FTC. I just want to have my identity back and move on from this traumatic and devasting event. I am filing a complaint against Transunion, XXXX, and XXXX, for not removing accounts that were open under false pretenses. Someone is using my information I am unsure on how else to prove it beside the police report reaching out to different agencies to receive help. I just want my life back and a chance to purchase this home for my daughter and I.
Consumer complaint received 2023-11-24
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (MN)

I have had a loan modification in XXXX. I unfortunately had to apply for another forbearance due to loosing my job at the end of XXXX. When I called ready to resume payments they told me I have to fill out another application to see what I could qualify for. They stated I do not qualify for any payment plans. I am very capable I spreading out the money I am behind on. I could pay this amount back over 6 months to a year. I have called and tried to work them so many times they have now have a belittling tone when I call. I feel like I am being discriminated against, because I have had to make so many calls to try and get this resolved. I am afraid to call in any more because at this point I feel like they would possibly try to speed up the foreclosure process before I even have a chance to try everything to get it resolved.
Consumer complaint received 2023-11-24
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (MD)

I have received XXXX messages from Resurgent Capital Services claiming I owe money and sending me links to pay off my balance. I thought this might be a scam and have ignored it, but I looked into it and they seem to be a legitimate company. However, I dont have any outstanding debts and I even checked my credit reports to ensure that I was not mistaken. I have tried to block them several times and they keep contacting me by text message. I do not owe any money, do not have any loans, and I pay off all my credit cards in full every month. Im not sure if someone else has given my phone number to these debt collectors in attempt to steal my identity.
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (FL)

I have a credit account from TD Bank in my accounts which is not mine. I have been at the bank twice but they don't give me a solution. I don't know the number of the account or credit card because it is not mine but it appears on my balance sheets. It's an account from last year and I get my first account 3 month ago.
Consumer complaint received 2023-07-03
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. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$20000.00}
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NC)

I traded in my XXXX  Kia XXXX after 5 months of ownership due to me losing around 35 % of my battery life. The vehicle was traded on XX/XX/2023. I work at a Kia dealership so I was able to easily pull the payoff and when I submitted the payoff information, I forgot to turn off my autopay for the car payments. Their automated system said my vehicle was fully Paid off on XX/XX/2023 and on the XXXX of XXXX, Kia took out yet another car payment. I called them and they tried saying that my pay off went up. I asked them multiple time to explain to me how the payoff went up because I never missed a payment and the very first month I made an autopayment they took out 2 months worth of payments. So I was actually a month ahead. Their best explanation of why they took another payment out was because I never turned off my auto pay and even though the vehicle was 100 % paid off they said their system would still be taking out monthly payments until the lease maturity date. They then said they can process a refund for about half of what they took out since the " payoff went up ''. I asked what would have happened if I turned my auto payments off before they took out another payment and they said that they would have been short and would have sent an invoice to the dealership. However, since they already took another payment from me, they said they will just use that money to pay for the difference and refund me the rest. The Kia representatives I spoke with would not let me explain my concern and kept trying to shut me down so I could never get an actual explanation. I have attached a document sent from Kia showing a {$0.00} due balance for the month of XXXX, yet they still took out a payment. I also brought that up to their attention and they would not look into it at all. I think an attorney would classify this as unfair or deceptive acts of practice. ( XXXX  )
Consumer complaint received 2023-11-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX XXXX XXXXXXXX XXXX I attempted to deposit money in a Schools First Credit Union ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California. The ATM took my cash. It was in the midst of counting it and stated I had {$290.00} at that point, and then it said transaction was incomplete. I called my financial institution ( XXXX XXXX XXXX ) on the first business day possible, which was XX/XX/, and they stated they were able to see a deposit attempted, but it didn't show any money whatsoever. They issued me a conditional credit, but said that would possibly be reversed. I am certain I deposited that cash, and I need that money to pay my bills.
Consumer complaint received 2023-07-17
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-24
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: Westlake Services, LLC (GA)

I went to the XXXX XXXX dealership for an appointment but I got greeted by the front desk person and another sales agent but it wasnt with the sales I had an appointment with but from my understanding I signed up with credit program that already approved me or to help me get approved or with my low credit score.
Consumer complaint received 2023-11-24
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: ALLY FINANCIAL INC. (GA)

I went to the XXXX XXXX dealership for an appointment but I got greeted by the front desk person and another sales agent but it wasnt with the sales I had an appointment with but from my understanding I signed up with credit program that already approved me or to help me get approved or with my low credit score.
Consumer complaint received 2023-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOCATED XXXX XXXX XXXX XXXX, NJ XXXX CHARGED THE CONSUMER A DOWNPAYMENT IN CASH ( {$5000.00} ) AS WELL AS FINANCE CHARGE IN RELATION TO AN AUTO LOAN THE CONSUMER CREDIT CONTRACT IS REGULATED BY TILA VIOLATIONS- 15 USC 1638 ( a ) ( 2 ) ( a ) MISREPRESENTING THE AMOUNT FINANCED-IF THE BANK REQUIRED A DOWN PAYMENT IT SHOULD HAVE BEEN IN THE FINANCE CHARGE I CALLED THE BANK, AMERCAN HONDA FINANCIAL CORPORATION DBA HONDA FINANCIAL SERVCES AND ASKED IF THE BANK REQUIRED A DOWNPAYMENT THE ANSWER WAS NO HOWEVER XXXX XXXX XXXX STATED IT WAS REQUIRED SO IT WAS PAID 15 USC 1605 -FINANCE CHARGE DEFINITION 12 CFR 1026.4 ALSO STATES INSURANCE SHOULD BE INCLUDED b ( 8 ) IT WAS NOT INCLUDED. 15 USC 1662 ADVERTISING OF DOWNPAYMENTS AND INSTALLMENTS 12 CFR 1026.24 ( D ) FALSE AND MISLEADING STATEMENTS AND ADVERTISING WERE MADE TO THE CONSUMER USING TRIGGERING TERMS. AN INSTRUMENT FINANCED DEFINED IN 16 CFR 433.1 ( i ) THE CONSUMER IN THE CONSUMER CREDIT CONTRACT THE DEBTOR UNDER TILA.
Consumer complaint received 2023-04-20
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX and Transunion credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dispute of Late Payment Under 15 USC 1666b : ** I dispute the accuracy of a late payment reported on this account for XX/XX/year>. I believe this entry is incorrect and request a formal investigation into this matter. As per 15 USC 1666b, I request that if the investigation confirms the inaccuracy, the payment status be corrected to " current '' on my credit report to reflect the accurate status of the account.

**Concerns Regarding Personal Information Under 15 USC 6802 ( b ) : ** Under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ), I express my concerns regarding the handling and sharing of my nonpublic personal information related to this account. I request an investigation into how my personal information has been processed, shared, or disclosed by XXXX XXXX and ensure that my privacy rights are fully respected and upheld.
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have two loans with Bank of America. A first mortgage with no late payments for {$330000.00} and a second mortgage that had a balloon payment due on XX/XX/XXXX for {$35000.00}. In anticipation of me having difficulties coming up with {$35000.00} for almost a year before the balloon was due, I had been requesting assistance from Bank of America to work out a modification for the second loan as, again, I knew I would not have the lump sum of {$35000.00} that came due on XX/XX/XXXX. Only after the balloon payment was due and I did not pay it, Bank of America created a portal for me to upload all pertinent information to work out the second loan. Again I state, the first loan has NEVER had a late payment and has never been the issue. However, I received a letter on Saturday XX/XX/XXXX that was mailed by Bank of America on XX/XX/XXXX, stating that my first loan can not be modified as I do n't meet the " hardship '' definition and that my only option is a " short sale ''!!!!!! I want to be clear in stating that at no time have I EVER applied for a modification on the first loan. I simply wanted to workout my second loan with a balloon payment of {$35000.00} with Bank of American whom I had been trying to correspond with for a number of months and which has only been acknowledged since XX/XX/XXXX when the balloon payment was not paid. Bank of America is blatantly refusing to workout the second loan, by simply calling the first loan the problem when in fact, it is not a problem and has never been a problem for me to pay. I have every intention of keeping my home. However, I find Bank of America to be extremely difficult to work with. I have consistently shown good faith in trying to satisfy the debt on the second loan. I just do n't have the {$35000.00} balloon payment. The bank has shown a mere sterile and statistical approach to my predicament bordering on acting in bad faith. I had been working with a non for profit company to act on my behalf but, they too have met the same resistance from this large yet, impersonal, highly bureaucratic and disorganized banking institution. I have complied a fairly large file with personal information, i.e emails, letters, requests and proof of payment for anyone in your organization who may want to see it.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I applied for an IKEA Projekt Credit Card in XX/XX/XXXX  and it had a promotional offer for 0 % interest for 24 months On purchases of {$2500.00} or more made with your IKEA Projekt Credit Card. After that, purchase APR of 21.99 %. I purchased IKEA items for {$5700.00} on XX/XX/. It never said that the offer was valid for each purchase. Normally, when credit card companies offer 0 % interest for 24 months, it will be for any number of purchase in 24 months. But for Ikea Credit card the offer was valid only for each purchase. The advertisement itself was misleading. I came to know about it when I was charged interest on purchase. When I called they said I purchased an item for {$320.00} on XX/XX/XXXX  and {$43.00} on XX/XX/XXXX  and that is not counted under the promotion. I made another purchase on XX/XX/XXXX  for {$750.00} and it came under a different promotion. These are all under IKEA credit card. In the monthly statement, there is no minimum balance payment for each promotional offers. The minimum balance is for the entire credit card. If they have different promotions, each promotion should have separate minimum balance and principal balance and there should be a way to pay off each promotional balances and regular balances. Since these promotions are different from conventional credit card promotions, I strongly believe they should have mentioned about the number of purchases and the repayment model in their advertising.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: NCB Management Services Inc. (MI)

I had an orginal account with XXXX XXXX XXXX  which was sold and own to NCB management services incorporated. On XX/XX/2023 I reached out to NCB management and spoke with a supervisor and I ask when I pay off what I owe can you please delete the account from my credit report because I am trying to get an auto loan via my bank. He agreed ( there is a video recording through them ) and that it should be deleted in 2-3 weeks. I notice on XX/XX/2023 that they did report to the credit buearu that it is paid but however it is still on my credit report. I called the same day to ask if someone can put in writing on what was agreed concerning the account being deleted they said no one can do it and to call back next week to get a receipt of the payment which I will not receive until two weeks later. I called XX/XX/2023 to explain the situation and again another dead end one can write the agreement but will send me a receipt in 14 days. I mainly want a written statement from them agreeing to deleting my account and my receipt hope someone can help. NCB phone number : XXXX XXXX.