davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXXubject : Dispute of Inclusion of Outdated Student Loan Debt on Credit Report To Whom It May Concern, I am writing to dispute the inclusion of a student loan debt on my credit report. The debt in question, as reported by the US Department of Education XXXX XXXX XXXX XXXX XXXX, should not be present on my credit report due to its age and the lack of recent activity. 

According to my credit report, the account is alleged to have been first opened on XX/XX/XXXX, which is over XXXX years ago. Despite not having been on my account for almost XXXX years and having had no correspondence with this or any debt servicer during this time, the account has somehow recently appeared on my credit reports ( Trans Union, XXXX ) as " ACTIVE/CURRENT '' with an accumulated interest of 52 %. This is both erroneous and unacceptable.

I firmly believe that this inclusion is a mistake and is adversely affecting my credit score and financial standing. Furthermore, the sudden reactivation of this account after such a prolonged period without any activity raises serious concerns about the accuracy and legitimacy of this entry on my credit report.

I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and ensures that this outdated and erroneous information is promptly removed from my credit report. Additionally, I urge the bureau to hold the US Department of Education XXXX XXXX XXXX XXXX XXXX accountable for the inaccurate reporting and demand immediate rectification of this error.

I kindly request regular updates on the status of my dispute and any actions taken to resolve this matter.

Thank you for your attention to this urgent issue. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to rectify this error and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-28
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. (TX)

I have contacted Experian on XX/XX/XXXX about Hard inquiries on my report. I explained to them I did not authorize these accounts and requested to have them removed. They advised me to contact the companies directly. I have reached out to these companies for assistance but they stated Experian is required to have these removed. I contacted Experian again and they are refusing to assist me in getting these accounts removed from my report.
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

In XXXX of XXXX  I lost my job due to covid. I still tried to pay my account when it became overwhelming I ask for a interest rate reduction. The representive told me I qualify for covid relief. Against my better judgement I took the offer. In XXXX I received a 30days late I have been dealing with Navy federal for over 15 years and I have never been late with Navy federal or any of my creditors. I have disputed it three times to no avail. I have emails in XXXX in which I sought a financial evaluation because I was unable to pay. I received a notification that I have a 30 days late which I was completely unaware of. I thought once I had talked to someone I would received further information in XXXX. Navy Federal had refused to correct this wrong. I believe it is dispicable to report negative untrue and unfounded activity when people can barely eat let alone pay their bills. Once I received the 30 days late I immediately contacted navy federal and paid XXXX that I did not have and had to struggle for the entire month. Thank XXXX I am back to work although my salary is extremely reduced. I am seeking help to have this removed. In all my years I have never been late. I could have filed bankruptcy protection because of my financial state but I believe if you borrow you pay back.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

Someone got a hold of my Victoria Secret Credit card credentials around XX/XX/XXXX. I have not used this credit card in a very long time. They maxed it out at {$1700.00}, opened a po box under my name and sent all the purchases and statements there. I didn't find out under the account was overdue and sold off to collections in XX/XX/XXXX. I've tried to dispute the amount with the collection agency but no luck.
Consumer complaint received 2020-12-29
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. (NY)

Please remove the fraudulent account XXXX/XXXX Account # : XXXX as I have no knowledge of this account due to the XXXX data breach/identity theft. According to FCRA 605B this information must be blocked immediately until the investigation is over. Please block this information from my credit report and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (PA)

I owed {$400.00} on a XXXX  visa MasterCard They flagged my credit report for collections in the amount of {$700.00} I called paid {$530.00} and was told that it would be removed and listed as paid in full received a receipt from them stating i had a XXXX  balance then the next day they adjusted the balance of XXXX XXXX- {$170.00} One credit reporting agency still has {$700.00} listed as amount owed
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (KS)

I received a letter from JPMorgan Chase bank in the mail on the XXXX of XXXX, 2020, stating that I changed my address. It also disclosed that I had opened two cards with them, a credit and debit card. The address change was to somewhere in Arizona, and after calling Chase Bank 's customer service, they disclosed the full new fraudulent address. After looking this address up in XXXX, it took me to a house in XXXX, Arizona. This is not my address, and I have never opened an account with Chase Bank.
Consumer complaint received 2020-12-29
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. (FL)

Actually, I have indicated not my accounts in my credit report. The information in my profile reported wrongly. I do not want to see it anymore in my report so please remove these accounts as I do not recognize them. Somebody I guess used my personal information its like identity theft. So please recheck and delete. Thank you
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent a dispute to the bureaus regarding a late payment I don't believe I was completely 30 days late on ; it has been 1 time so it shows that my payment history is exceptional! When the bureaus didn't respond to me in the 30 days they were legally supposed to, I sent another dispute on XX/XX/XXXX. Again, 45 days go by with no response from the bureaus ; it is now XX/XX/XXXX and yet AGAIN nothing from any of the bureaus! I'm well aware there have been delays due to the global pandemic, but having no responses from the bureaus since I started in XX/XX/XXXX ( 5 months of disputing ) is not okay by any means!
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (RI)

****SEE ATTACHMENT*** PLEASE - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX  XXXX  XXXX  for code of ethics violations.
Consumer complaint received 2022-10-27
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: GOLDMAN SACHS BANK USA (CT)

In XXXX, 2021 I received a late payment notice on my credit report. I was affected by Covid-19 and was unable to work, the payment was made and the creditor was aware of how Covid-19 affected me. My state had strict Covid restrictions and because of this I was laid off as non-essential and had to find safe work as I'm XXXX XXXX. Goldman Sachs is the creditor and even after multiple disputes they are unwilling to cooperate with me to remove the late payment despite an agent telling me he submitted a claim to have it removed on my behalf after my disputes were rejected.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (MD)

Gregory Funding has not paid my insurance which caused it to be terminated and nor my Taxes for the past year. Gregory Funding purchase my loan from another company with an escrow and I have been paying the same amount of mortgage and Gregory Funding not doing what they are suppose to do. Why do they even have my mortgage and my escrow account and not paying the bills?
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R & B Corporation of Virginia (CT)

They have called me twice leaving two different voicemails from two different numbers : XXXX and XXXX. Once was at XXXX on XX/XX/21 and the other at XXXX on XX/XX/21. They state that they are a credit control corporation claiming to be a debt collector for a debt. I have called them back and ask them about their own company, asking what is the name of the collection company, their company address and a phone number, but they refuse to give me any information without me giving them my full name which I refuse to do until given more information. All my debts that I have are being paid monthly which I can see online for every company I have taken a loan with, my credit card, etc therefore there should be no debt needing to be collected.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CA)

I initiated an outgoing transfer from my Citi checking account to my XXXX XXXX savings account for {$1000.00} on XX/XX/XXXX. Upon making the transfer, I was informed that the funds would be available on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received the money in my XXXX XXXX savings account. The transfer I made is still shown as pending in my Citi checking account on XX/XX/XXXX. I have contacted Citi Bank several times, and the only response I received from them was to wait.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (IL)

This is about Citibank 's " New account opening '' process online, which poses a serious hazard to its banking customers in the unfortunate event, there is a bank run or financial crisis, as the consumer will not have any Citibank account details to file a claim with FDIC. 
The complaint is about Citibank NOT sharing the Account number immediately at the time of account opening, despite all verifications having been completed, T & C signed and account funded. Citibank proceeded to withdraw funds from customers funding account, but will not provide any details on the Citibank account to which it is posted. 

On XX/XX/2020, I opened a Citibank Checking and Savings account ( referred to as " Citibank Account Package '' ) on XX/XX/2020 using the internet via the following link posted on Citibank 's website " https : //online.citi.com/US/ag/open-cs-acct/index? formCode=deposit-ao & GS=IL & product_list=regular_checking, citi_savings & package=citibank_account & ProspectID=DA908B4B663E4463925A7CF970304571 & Promo_ID=4GZ7YTFGUDCVAT ''. 
The website took me through all the FIVE account opening steps, collecting personal information, ID verification, Employment and Income, Agreement & Disclosure. At the final step, after funds transfer was initiated, the website failed to provide me with my new Citibank ACCOUNT NUMBER. The bank proceeded to withdraw funds from my funding account the following day ( XX/XX/2020 ), but still did not provide any details on my new Citibank account. There was no electronic communication either with account number. I reached out to Customer Service on XX/XX/2020 and the Supervisor was not able to provide new CITIBANK account details. She stated I should wait for my debit card which is sent by regular US mail. After which I would need to register online to get my account number. 
This is a serious risk to its consumers if there were a need to retrieve funds for any emergency or in case of banking crisis.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XX/XX/2020 - at my request, XXXX sent me written instructions pertaining to how and the amounts I can transfer, FROM my XXXX accounts to another bank. 
XX/XX/2020 - based on the rules XXXX provided ( I was allowed to transfer a max of {$10000.00} per transaction ) I attempted to to transfer {$5700.00}. This was within their online banking. It had worked in XXXX, XXXX. However, at this time I was not permitted to make this transaction. 
I spoke with XXXX, XXXX and XXXX who did not offer any explanation ; but I was given a ticket number of XXXX Since XX/XX/2020 I have called their customer service ; I have written to their officers ALL with no success. A XXXX did call me back and although apologetic, did not have a solution or any explanation for why this is happening. She also has no workarounds to offer. When I suggested they wire my funds immediately, she could not comply. 
XXXX is not permitting me to transfer MY MONEY. They can not provide an explanation. They do not return my emails. Each time I call for customer service, I sit in a queue for at least 18 mins, then they conveniently disconnect me. This has been an open case/ticket since XX/XX/2020
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-12-29
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 am a victim of identity theft. XXXX, TransUnion and & XXXX  have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC.

My initial dispute started XX/XX/2020 and my most recent is early XX/XX/XXXX. The total debt amount is less than {$8000.00}.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WA)

I will qualify this complaint by saying I can not at this time give you exact dates and times. What I'm about to describe has happened too many times too count. It has been especially noticeable this past XXXX years or so. Likely my bank, US Bank, had likely become more aggressive in fee recovery during Covid to take advantage of people who are down and out in order to bolster their own numbers.

1 ) US Bank will show that I have an available balance. Under that pretext I go ahead and use it. But as it turns out there are pending transactions. Those pending transactions overdraft me. They will show in my account a positive available balance. But because of the future pending transaction they show another number in red below the available balance that shows I was actually negative with the pending transactions. This is of course only shown to me after the fact.

What I find especially interesting is that future pending deposits are not counted in my favor in the same way withdrawals are.

2 ) US Bank shuffles my transactions to overdraft me. For example, I will do a number of smaller transactions that wouldn't cause an overdraft. Then I'll do a large transaction. So if everything is taken in order, I would only overdraft once on the big transaction. Instead they have the big transaction hit first followed by the little ones. So then I overdraft on every small transaction instead of only once. 

I can comb through the past XXXX years and no doubt find hundreds of dollars on these types of fees.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have been disputing a few accounts that are no longer obsolete since XX/XX/XXXX. Since the bureaus didn't respond to my initial dispute, I sent an additional follow-up on XX/XX/XXXX and then XX/XX/XXXX. The bureaus have yet, to this day, sent me any kind of update or responses in regard to this!