davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Please remove and delete all inaccurate late payments off my credit file from XXXX, XXXX, and TransUnion immediately. 

XXXX XXXX XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX Late payment XX/XX/XXXX
Consumer complaint received 2024-08-10
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. (FL)

My Name is XXXX XXXX XXXX I am writing because I am a victim of Identity theft, and I need the inaccurate information to be deleted OFF my report as soon as possible. My reputation is being affected by this inconvenience please HELP.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OH)

I was sent a sum total amount from my sister for partial payment of money she owes me due to staying in my rental at XXXX a month. XXXX XXXX XXXX  and serious delays on unemployment, she has been unable to pay. She finally thought she had received funds from unemployment and transferred the money to my account. Something which I'm not privy to apparently happened with the funds. 
Navy Federal Credit Union took it upon themselves to remove the funds from my account which left me stranded in another state. I am not a joint owner of my sisters account. I wasn't aware and neither was she of any mishaps. Navy Federal illegally took funds out of my account to right a wrong with my sister 's account. They also did it with my nieces account as well. They also put a freeze on my husband 's account for his funds. They are being overzealous and stepping out of their legal limitations. Had the funds still been in my sisters account, that would be understandable until they figure out what was going on. But Navy Federal took this funds out of my account which they do not have the legal right to do. I want my money returned to my account. I have nothing to do with anything. My account should not have been touched.
Consumer complaint received 2022-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (MA)

today XXXX at XXXX I received a call on my private cell phone number whereas I have been receiving calls on this private number from realtors, investors and etc while I am litigation with this present fraudulent foreclosure on my home. In one of my previous CFPB complaints I mentioned that my number is being given out to many to harass me to pressure me to give up my home or sell to them when I am fighting for years in court to stop this fraudulent foreclosure attempt with forged/photocopied documents. This call told me that they at Chase were monitoring my payment transaction history and want to offer me a payment offer. I hung up because this is a non existent debt that they well know I am in court with. These calls started over 2 months ago and Chase has already been told to stop giving out my private number and to not use it at all. I want these calls stopped as well as the mailings and emails etc... This is harassment and fraudulent foreclosure tactics to threaten and terrorise me for my home. I am XXXX yrs old, XXXX, indigent and recently had a second cardiac in the past 2 weeks having to be hospitalised stress triggered. I had XXXX XXXX in XXXX of XXXX and this harassment is taking a toll on my health being a life threat. The number Chase called me from at XXXX today XXXX is XXXX when they know this number is not for them to use for anything!!!! My landline is listed with this Chase. XXXX XXXX is hiding their involvement in this fraud/, abuse/profiteering, so much so they have denied me 3-4 FOIA requests in since the laws have included them in their obligation to respond to FOIA requests in XXXX.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

I've contacted XXXX, XXXX in reference to acct not updated since XXXX  2022. They said they've reported & it's Experian who hasn't updated my credit report. Trying to speak with anyone at experian takes an act of XXXX.
Consumer complaint received 2022-09-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (DC)

My husband and I have a home equity line of credit ( HELOC ) with BBT/Truist , valued at {$100000.00}. Prior to last XXXX, we had a balance owed of approx {$16000.00}. In XXXX, we used approx {$5500.00} more for home expenses, then visited to the bank branch to request a " freeze '' on the interest rate. This would total approx {$21000.00} balanced owed for both loans. 

The branch manager froze the interest rate of the {$5500.00} amount, and kept the original {$5500.00} on our account -- thereby creating a third withdrawal with a variable interest rate. Our total subsequently reflected over {$26000.00} balance owed. 

I have visited the branch 5 times between XXXX XXXX XXXX ; I left messages with the front desk agent ( XXXX XXXX XXXX XXXX to have the branch manager contact me. No one has returned my call. I have contacted the customer service line ( ph XXXX ) many times with little to no response. Meanwhile, since we did not withdraw these funds, we have not been paying towards erroneous loan balance, and we are in turn being assessed late fees and reports to the credit agencies. 

In XXXX, I was able to open a ticket ( # XXXX ). No information was given about how to contact this department correctly. I only repeated calling the main customer service line. While paying the XXXX mortgage, I noticed a credit of {$5400.00} was applied to the original fixed loan but it still leaves the erroneous variable loan open. 

Between Friday, XXXX XXXX- XXXX. XXXX XXXX, I have called Truist 6 times -- and have been disconnected while on hold with their agent. Apparently, no one is able or willing to assist on their end. Hence I am left with no choice but to file this formal complaint.
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A. (PA)

Ive called for a few months trying to get help with my car loan. I fell on some hard times and I reached out to PNC for assistance. Every time I called a different representative told me different information. I tried to do a deferment and was denied. I tried a hardship loan and was denied. The hardship would take 50 % off of my current monthly payment for 3 months which would have been doable for me at the time and I was denied. I tried to refinance and was denied. I was trying to avoid repossession because I have multiple doctors appointments and my daughter takes me to all of them. Without a car its almost impossible. In XXXX I applied for the hardship loan and a representative told me that I was approved for the loan and I was relieved. Come to find out the representative told me false information and I was not approved. I had made an arrangement to make payment and I had the money, when she told me I was approved I was so ecstatic and I told her I was still going to make the payment. She told me not to make the payment because I was approved for the hardship. She told me in 7 days I would receive a letter stating the payment dates. I double checked and asked her was she sure because I was denied recently and she reassured me that I was approved and not to worry. Seven days went by and then PNC called me and told me I had to make a payment. I then mentioned to them what the representative told me and they said that is not true. I was so upset because you guys use the same system so how am I approved one minute and not the next. The representative then said that the other representative shouldnt have told me that because it wasnt true. So then an investigation was started and the manager from consumer finance called me and said that there was nothing that they could do and that the representative that told me that will undergo more training and that was it. I still couldnt get help from a bank Ive been with for 3 plus years so after all of that they came and repossessed my car so now Im without a car after multiple attempts of reconciliation and none was offered to me.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (NV)

Hello, after carefully reviewing my consumer report i have realized that according to The Fair Credit Reporting Act 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) states " the term consumer report does not contain information in regards to sensitive details such as transactions and or experience between the consumer and the person making the report. '' and as i realized that late payments are a form of transactions, and Utilization is a form of experience created by credit usage. i have realized that a few of my consumer rights have been violated. 

XXXX, XXXX, Experian are all listing a late payment from ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX as well as reporting credit usage for all of my credit card accounts which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Usage/ Utilization are a form of Experience as a byproduct of credit usage, AND late payments are a form of transactions. 

USC subsect 1681b ( a ) ( 2 ) says " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it related. from what i understand i have never gave XXXX, Experian, XXXX XXXX any kind of written instruction to report any late payments or any sort of usage, any transactions or any experiance created by credit usage on my consumer report. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose says, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. and it also says the banking system is dependent upon fair and accurate credit reporting. INACCURATE credit reports directly impair the strength and honesty of the banking system. and ANY unfair credit reporting ruins public trust and confidence in the banks which directly affects banks negatively. 

MY PRIVACY HAS BEEN VIOLATED and nothing about any of these transactions or experience reported by these 3 companies ( EXPERIEAN, XXXX, XXXX ) is a form of violation to my consumer rights.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (IL)

In accordance with fair credit reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

Comenity took over account from XXXX. This is the NFL Card, which is supposed to have a 6 months 0 % promotional rate on ticket purchases. They have NEVER applied the purchases to the promotional balance. This also causes my payments to be incorrectly applied every month to what appears to be current purchases, causing interest on the promotional balances that expire. I call every month, I have sent them a spreadsheet of how the account balance and payments should have been handled. I waste an hour every month ( I'm on the phone with them 36 minutes this month and on-hold ) and I'm sure I'm not the only person this has happened to. 
The other 'perk ' to this card is Rewards. They have not had the rewards balances available the entire time they have had this account ( this is on ALL NFL cards ). 

My only purchases on this card are my season tickets. They are being billed monthly, the same amount, from the Washington XXXX XXXX, XXXX MD. There is NOTHING else I could be buying from the Washington XXXX XXXX.
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

To Whom it may concern : Please take a look at the attachments below. XXXX has created a monster of a mess with my mortgage loan. Attached are several documents showing additions, reversals and funds misapplied to my suspense account. My credit has been ruined because of XXXX 's errors current and past. Please see the extent of the documents which were received from XXXX, it is frustrating, distrusting, disappointing, and discouraging to have received a demand for payment and could possibly go into foreclosure, which none of this is my fault. I have worked on this file since XXXX and now have bad credit, unsatisfied answers, money owed to me, and no one to accept responsibility or understand misapplied payments to my account. This mess has caused me to see my regular doctor for irritability, anxiousness, unable to sleep, and frustration etc. XXXX has caused a great deal of unnecessary stress to me and my family, it has affected my work performance and everyday living.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

When I set up XXXX business accounts in person at a Bank of America ( BoA ) location, I was told that the accounts were linked and that in order to not be charged fees I needed to maintain a {$5000.00} balance between the linked accounts. Despite telling me this, BoA started charging me fees, so I called and spoke to a BoA rep on XX/XX/XXXX, and they waived the fees, and explained to me that I needed to keep a minimum of {$3000.00} in each account to waive the fees. I transferred {$3000.00} into each account to ensure the accounts would not get charged fees. I do not use the accounts so I did not check them until XX/XX/XXXX. When I checked them, I see that BoA has been charging me {$16.00} a month fee for each of the XXXX accounts ( {$32.00} a month total/ {$540.00} total across the XXXX accounts ). I have called BoA twice now to resolve the issue. The first time I was told that a supervisor would need to refund the fees and that a supervisor would call me back, but no one called me back. The second time, the agent hung up on me and did not bother to return my call. 

Attached are XXXX notices from BoA that emailed me to discuss the fees on the account. They note that I need to maintain a {$3000.00} daily balance to avoid the fees, which I did, but they still charged them to me. I have not received any other notices of fee changes from BoA. I have checked their " online communication center '' for the accounts on their website, as well as my email and mail. It is illegal for BoA to charge me fees when I did what they told me to waive the fees. It is criminal that I have to continue to waste my time calling BoA to get these fees back.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

A loan through XXXXXXXX XXXX was paid off on XX/XX/2023. I sent in a bank statement to all three credit bureaus showing the balance was paid off {$1900.00} on XX/XX/2023 but when the dispute is returned to me it keeps stating nothing has changed and that I still owe the entire balance. and was verified by the lender which I find ridiculous. I am working with a mortgage lender trying to raise my credit score. but this is impending my progress. I need this resolved asap.
Consumer complaint received 2022-09-20
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CARD SER XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX a collection account was added to my credit report for all 3 bureaus from a company call XXXX XXXX XXXX for the amount of {$410.00} regarding Arizona XXXX XXXX as the original company. I was never notified of this debt, I have o knowledge of owing anything to this company, and I have never recieved any paper work, bills, statements, letters or a phone call for a debt they say is two years old. I immediately called XXXX XXXX XXXX on the day it was added to my 3 credit reports and requested all proof of debt and any documents they have showing this debt is mine. I was asked to provide them with supporting documents. I do not have any documents because this debt is not mine. They will not remove this innacurate information from all 3 of my credit reports. They can not provide any proof to me about anything related to this amount due and are damaging my credit score. I have recieved no resolution from the 3 credit agencies that I reported this innacurate debt to. Why all of the sudden after a supposed 2 year period did this debt come to light out of nowhere. I find it hard to believe it took two years to finally hit my credit. It is innacurate and the debt does not belong to me. I would like the collection removed from all 3 of my credit reports. Tha k you for any assistance.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AZ)

As of XX/XX/22 I have not been able to access my online banking with PNC Bank. I called and spoke with a representative on XX/XX/22 and XX/XX/22. I still can not access my account on XX/XX/22. 
This is not the first time this has occurred and last time this happened it was WEEKS before the issue was fixed.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (CA)

This is my six 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX