davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
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. (OK)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/2023, I was notified by my credit card company that an entity named, " ComenityCapital/XXXX '' had initiated a hard credit check on my account. I had not applied for credit from this or any other company in at least the last 60 days. I was also notified about the same incident the next day by my credit monitoring company. 

An Identity Theft Restoration Specialist from the fraud detection services of my credit card company contacted me on XX/XX/2023, and together we attempted to contact ComenityCapital/XXXX  but the wait time was excessive, and we decided to try again the following week. At the same time, the representative of my credit card company said that her experience with that creditor was that they were very difficult to reach and work with for these purposes, and suggested I file a complaint with the XXXX as directed by their " Recommended Steps to Take to Protect Yourself '' document that she sent me via email.
Consumer complaint received 2019-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

I have had this auto loan since XX/XX/2010. Its for a XXXX XXXX XXXX XXXX. So far I have paid well over {$51000.00} dollars and still owe more on it. I did some research on Santander, and found out about money going strictly toward the interest payments. I never was told nor agreed to anything like that. This vehicle is a plain van. It doesn't even have power steering, air or heat in the rear of the vehicle. I read about the settlement that they have agreed to with lawsuit that was brought upon them. I need help in straightening this out. I AM a XXXX senior citizen. I'm not asking for pity. I just know that this is not to be right.
Consumer complaint received 2021-08-30
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: TD BANK US HOLDING COMPANY (NY)

I paid {$3000.00} to TD bank at the same time they charged off the debt to XXXX XXXX whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to TD band and XXXX XXXX but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.
Consumer complaint received 2023-02-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MI)

I can't understand why my credit score keeps going down when l have less debt. Why do transition an equafix lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX  point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I feel so small fighting this big giant First Bankard. They closed my account without warning in the middle of my mortgage refinance, despite me paying on time. I know they have the right to do this but I dont think its fair and just hence the reason am complaining. 
I spoke to their nice rep but she cant do any help despite me offering to pay off 80 % of the amount owned. Pls I just want them to re open my credit And so I can proceed with my Refi. Thank you I hope we all have a very happy holidays.
Consumer complaint received 2023-02-04
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. (FL)

In accordance with the FairCredit Reporting act 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 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FlexShopper, Inc (TX)

XXXX XXXX XXXX has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " flexshopper ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her XXXX. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. 
I've attempted to reach out to XXXX XXXX XXXX on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. 
I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX  to XXXX.
Consumer complaint received 2023-11-29
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. (AZ)

XX/XX/23 a formal dispute letter was sent to transunion to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

My previous CFPB complaint was closed after believing the business response from Citibank but it was false and I do not have the check they said was mailed. I also did not receive my cash rewards totaling at least XXXX dollars. This has been going on for months.I called Citibank executive office today and they refused to get me a manager or cal XXXX  regarding check or even try to see if check exists. This is because they probably didnt mail it. I want my checking account closed and a check overnighted with signature reguired upon delivery.
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-02-04
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day. Transunion refuses to remove the inaccurate information while it only took a simple phone call to XXXX and XXXX to get this error corrected. 
Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made over 20 hard inquries to my credit report within a 3 day period which is clearly a mistake and refuses to correct the mistake. 

Help with correct this will be greatly appreciated.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2019, I deposited a personal check from a friend for {$500.00} into my Bank of America checking account, utilizing a Bank of America ATM. On XX/XX/2019, I received a letter from the Bank of America dated XX/XX/2019 informing me that funds would be available on XX/XX/2019 and stating, A hold was placed on your check ( s ) because check specific information indicates that the item may be returned. Bank of America did not even make the first {$200.00} available on the first business day following deposit as required by law. When I contacted the writer of the check, he informed me that it had cleared his bank account. Nonetheless, Bank of America refused to make the funds available to me prior to XX/XX/2019 and to refused to contact the checkwriters bank to confirm the availability of the funds. In failing to make these funds available as required by law, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229, Subpart B ( 12 C.F.R. 229.10 et seq. ) By failing to enumerate the reason for its belief that the check is uncollectible, I believe that the Bank of America violated Regulation CC ( 12 CFR Part 229,  Subpart B ( 12 C.F.R. 229.13 et seq. ) which requires that, The reason for the banks belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section. '' As a result of Bank of Americas actions, I was denied access to funds needed for basic necessities, including groceries, toiletries, and gasoline. Accordingly, I am seeking all remedies available under the law.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

This hard credit inquiry is On my credit report without my permission I request that you remove this hard inquiry off my credit report under USC 1681, and USC 1681S2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (AZ)

My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX. account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company XXXX XXXXXXXXXXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NV)

CAVALRY PORTFOLIO SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-08-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

This company is called Portfolio recovery a debt collection service. First let me say I have stellar credit and am not in collection. These folks call again and again at least once a day for months now. The number is always different as is that state in which it originates. I don't answer and never will but they wake me in the morning and call during dinner. 

How can you track these scum, they obviously think Im someone else. I won't speak to them because Ive learned they ignore rules, law and personal privacy. The number they call is XXXX Thanks XXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

After reviewing my credit report I noticed a collection account from Wakefield & Associates Inc of XXXX XXXX Colorado. The collection was for an account of XXXX XXXX XXXX XXXX. After I looked up the entity name I found that it was a medical bill. Using this information I looked up all areas of operation of that entity in Arizona and only found 1 near my residence. This hospital appears to be a XXXX hospital in XXXX Arizona. 

I was a victim of an employment scam in XX/XX/2018. I made a report then to the consumer protection bureau in regard to that incident since it involved credit cards in my name. I am of 100 % certainty that this account does not belong to me. I am in no need for a XXXX hospital needs, I am XXXX and no history of XXXX XXXX. I have only been to the hospital one time in the last 10 years and that hospital was not this hospital. Another reason I know this bill is not mine, I am a 100 % XXXX veteran and 100 % of my medical costs are covered by the XXXX XXXX. Another issue I noticed is that hospitals in Arizona use the XXXX XXXX XXXX XXXX to collect medical debts in Arizona. 

I believe I was a victim of identity theft and would like this collection removed immediately from my credit report. I have filed a dispute with the credit bureaus today.
Consumer complaint received 2021-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MN)

I've made my payments on-time since i started this new car loan. 

My payment should be {$460.00} per month. I paid {$500.00} per month since my loan payments started and got a bill in the mail. The payments i made were applied to the payment plus prepaid part of the next payment. 

I believed GM financial operated like XXXX XXXX ( XXXX XXXX ). Where if you make a payment plus additional the extra will go to principal to provide me with the reward of seeing my loan paid down sooner. As a XXXX XXXX i understand the need for paying bills on-time and paying extra to gain equity. 

I called GM financial today and was told they can not accept monthly payments plus an additional principal payment at once. 

I am required to make the payment first in a separate transaction and then make a XXXX payment in its own transaction. Of course with the monthly payment being made first. That's what i thought was happening. 

I feel this is borderline financial fraud/harm. Thus creating a unofficial prepayment penalty and i'm very disappointed that GM would not reverse how they applied my payments. Asking for the payments I have made to be applied to the monthly payment due first with rest being applied to principal. 

The phone rep confirmed their website or app is NOT equipped to give the XXXX  any control how their payments are applied and i need to remember to call in essentially one day after maknig the monthly payment if i want to make an additional principal payment. 

That's very dissatisfying to hear. I'm truly disappointed. This was my FIRST time doing business with GM financial. I had prior Auto loans with XXXX & XXXX XXXX in the last 15 years and NEVER experienced this when i made additional principal payment 's
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Someone broke into my car stole my persona information & now using it as me and trying to open accounts in my name. These items on this report was not authorized or completed by me.
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one account involved in a breach. I closed the account and demand they explain why I wasnt notified of this breach inside. I have found my information is on the dark web and have ask capital one to close this account and remove from all 3 bureaus. They have sent me a credit monitoring company that I can enroll with its too late for it now. I want the account that I closed they are still adding late fees and reporting late in my credit report. I would like this account removed and closed immediately. I am not paying a card that was hacked. I dont owe XXXX on this closed card due to the activity and hacking status. I have proof that my email address was found on the black web and it has hacked with my old phone number XXXX. My credit score is being compromised by capital one because they keep reporting me late in a closed account that they let an insider working at capital on gain access to my file and hack my email contacts and tried to hack my XXXX account.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SLM CORPORATION (NY)

This bank was very rude to me when applying for a credit Card their system said it was pending I have a fraud alert on my credit report I called them to inform them they were rude to me it sounded as if someone was in their house watching a kid slot of baby noises and I got declined thats same night I got an email I called them the next day to ask them why and the reason I received didnt make sense I asked if they can reconsider since their is nothing wrong with my credit it was their system decline I contacted XXXX and they said they dont make decisions to approve an application its up to the creditor but when I called with this stupid reason they provided they refused to help me their email just states too many Bankcard accounts opened in 24 months I just become a us citizen and have begun building my credit with those new accounts I asked them if they had a reconsideration. Or underwriter department they said no and I asked so when will this reason stop being used against me refused to answer my questions and concerns horrible bank
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received notification from many credit sites about BOFA cancelling my 2 accounts with them. I was confused, lost and very upset about BOFA closing without any notice. I contacted BOFA and they said a letter is on the way and they couldn't help me. That very same day I received CREDIT CARD OFFERS from BOFA, checks to consolidate for a lower APR and promo offer with checks. CONFUSED, MISLEAD, lied to, distraught, frustrated and unappreciated as a customer. I've had the cards for around 10 or more years, never late. Month or 2 prior, BOFA increased my line of credit. I was in the process of purchasing a home, but NOW due to them cancelling both unable to because I have a balance with them and my net to debt income ratio changed A LOT due to BOFA.