davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to obtain a report from the agency to dispute this information. While I can obtain it on XXXX XXXX and XXXX, I can not get it from the agencies themselves to dispute the information. I have sent it in writing to the agencies, however I have not received a response nor have the issues been corrected.
Consumer complaint received 2023-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-04-03
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. (FL)

This is my XXXX 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. 
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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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. (NC)

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  # XXXX & XXXX ; XXXX # XXXX ; XXXX XXXXl # XXXX ; XXXX  # XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of Office Of The Atty. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-31
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. (FL)

I have inaccurate account 's on my Transunion, XXXXXXXX  XXXX  credit report 's it's the inaccurate account 's XXXX XXXX XXXX, XXXX  I paid the account balance 's in full on XX/XX/2020 2020
Consumer complaint received 2020-12-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (ME)

On XX/XX/2020, I called Sallie Mae as they had charged the wrong account on file for my loan payments. ( 5th time this has happened ) Following this on the same date I called and requested a refund in the amount of XXXX $ as my bank had hit me with huge overdraft fees as this account is rarely used. The agent I spoke with did not collect the necessary information and did not follow up with me nor did the company as a whole so when I called again on the XXXX, after being told I would here back within 3-5 business days, it was very frustrating to find out the agent did not at all take the necessary information to process the refund. I then sat and waited on the phone for 1 hour 37 minutes talking to a women who then went through the refund with me step by step. After this I called once more on todays date XXXX, and received news that the process still hasnt been approved. I then sat on the phone with a member of their escalations team and she claims that the amount I am owed has somehow been cut in half? This has been a routine with them, taking more money then they should month after month. And when they mess up they take weeks to make it right. This company is ruining lives and needs to be held accountable.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (DE)

All information Loancare ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with Loancare ( a subsidiary of XXXX XXXX XXXX also called XXXX ) prior to XX/XX/XXXX. Loancare/XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with Loancare/XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX Mortgage. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with Loancare/XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying LOANCARE until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX, I checked into XXXX XXXX XXXX XXXX. The hotel put a {$100.00} hold on my XXXX credit card ending in XXXX as deposit against incidentals. I checked out the following morning, XX/XX/XXXX. As of today, XX/XX/XXXX, the hold is still pending on my credit card. I called the hotel and was told the hold was released on XX/XX/XXXX shortly after XXXX a.m. ( I forget the exact time he quoted ). I called the XXXX credit card and asked why it was still on hold. I was told it can take as much as 30 days for a hold to be released. But the hotel already released it! Why are they holding on to my money?
Consumer complaint received 2024-04-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (CA)

It is a money borrowing app, when I paid back I end up paying too much for the fees and interests and stuff that's why I ended up not able to have no more money to pay jt back more and more.
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: EQUIFAX, INC. (OH)

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 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 2020-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

Servicer did not pay property taxes for mortgage with escrow. Received a notice for {$5100.00} due including XXXX in penalties. 

Since I already funded the escrow, I do not also have an additional XXXX dollars to pay this a second time. 

It was not my mistake, they should pay the fee too.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I applied for a XXXX Credit Card. My Credit Card application was declined. I phoned XXXX reconsideration line to see what happened. The XXXX representative gave me information based on the TransUnion report that XXXX received from TransUnion, based on which I would not meet the standards for the Credit Card. However, the information that TransUnion sent XXXX was outdated. I compared the amounts owed to my XXXX Credit Card XXXX XXXX, and the XXXX representative and I could verify that the TransUnion report was outdated and not correct. The TransUnion report showed that I owe bigger amounts of money. Same happened with my reports on my XXXX Credit Card and my XXXX Credit Card. The information that TransUnion sent XXXX was outdated and incorrect. I attach screenshots from my online profile from the Banks of what I owe to the Credit Card as of today XX/XX/2020. If you compare my attachments with the actual report generated by TransUnion on XX/XX/XXXX you will verify that the TransUnion Report is outdated. I phoned TransUnion but the answer I received was that there was no representative that could assist me, and during XXXX the offices of TransUnion are not completely open. The offices of TransUnion being closed and not providing XXXX  with an up to date report caused a Hard Inquiry on my Credit Profile, and I would like to ask to have this Hard Inquiry removed.
Consumer complaint received 2020-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (CA)

On first week of XX/XX/XXXX My aunt and me went to Kia of XXXX to see if she gets approve by the dealer to get a car, they checked and said she do not qualify so they check my credit and said I did qualify, but I already had to loans with them but they insist the after one year I was able to put the car under my aunts name and I was going to be out of the loan, in XX/XX/XXXX we went to check that to do the change of name in the car but They said that they can do that that is imposible and so many excuses the reason why I signed for the loan was for what they told us, I need to get the car out of my name and ghey do not want to do anything, I do not know why they are giving false information. Thank you for your time
Consumer complaint received 2019-12-26
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. (PA)

XXXX XXXX XXXX on XX/XX/18 Ran a Hard credit Inquiries on a credit application with XXXX of XXXX XXXX in which is not me. Incorrect social security number, Incorrect drivers lic, incorrect date of birth and no date on the application. I did not give permission for this transaction. Please stop trying to avoid the truth with your fraud and deception committed by XXXX of XXXX XXXX. Please provide my real social security drivers lic & date of birth and stop trying to avoid the application put in as fraud. I have also filed the documents with the US Attorney office as proof this is not my information as drivers lic, date of birth, soc sec number all fraud type in by XXXX of XXXX XXXX
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As is normal now, I received an email from Bank of America that my financial info may have been compromised at an 'undisclosed merchant. ' The bank and merchant should be be disclosed, so I can decide how to proceed. Not having to disclose the merchant helps remove certain accountabilities. 


Security Alert : We 're Issuing You a New Card To Help Keep Your Information Safe We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon. 
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX/XXXX/2016. 
Your security is important to us We 're continuously monitoring your account ; however, if you do notice any charges you did n't make, please call us at XXXX, 24 hours a day, 7 days a week.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I've been disputing with them since XX/XX/2019 about removing my XXXX   XXXX credit card from my credit report. They made my score go way down and then I got the run around from different " supervisors '', I even got XXXX XXXX to contact them and send me my good long standing account via email and still they won't fic the problem nor report my card.
Consumer complaint received 2023-04-03
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: LEXISNEXIS (SC)

I submitted a complaint last XX/XX/XXXX for the Bankruptcy on my credit report and it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. The CFPB closed this complaint because they said it has already processed my earlier complaints about my problem. I am creating this complaint hoping that you will assist me this time because I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (PA)

My credit limit decreased from {$750.00} to {$100.00} over a years span during the pandemic even after making payments each month. XXXX of 2021 my account was closed due to inactivity despite having a zero balance.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (CA)

I have a prior complaint against Cerulean about my credit protrction. I was previously told that my credit protection stsrted XXXX of this year, and it ends XX/XX/. Today I get a message saying a payment is due today. I called Cerulean and they confirmed I have credit protection on our recirded call XXXX  but yet they changed me late fees XXXX through XXXX... yet no one will waive these late fees. IT'S BEEN CONTINUOUS ISSUES WITH THIS COMPANY. LATE FEES NEED TO BE WAIVED IMMEDIATELY AND PROPERLY REPORTED TO THE BEAURUS. IN THE RESPONSE TO THIS COMPLAINT I NEED A ACCURATE DATE OF WHEN MY CREDIT PROTECTION ENDS.I NEED TO ALSO VERIFY PAYMENTS HAS BEEN MADE ON MY ACCOUNT WHILE I HAD CREDIT PROTECTION.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I've been a credit cardholder of Citibank since I was a college student in 2011. What I thought was a general fee, now appears to be an added fee labeled " Payment Safeguard. '' I have no clue what this means and why I've been charged this fee for at least 2 years without my knowledge or consent. It wasn't until I signed up for XXXX that I noticed Citi was charging me a fee twice. It's unconscionable that a credit card company can just tack on fees without the knowledge or permission of customers. And since I can only look as far back as 2 years, I have no clue what other deceptive fees have been added without my permission in nearly a decade of usage.
Consumer complaint received 2020-07-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (IN)

Lightstream offers a .05 % interest reduction if you sign up for auto payments, which is fine in itself. However, I attempted to make my auto payment early and was informed by the Lightstream representative that it is not an option to pay the regular payment early. I was informed that my two choices are to either allow the auto payment to process on the regular date, or cancel auto pay all together and lose the .05 % interest rate reduction. I view this as an unfair and deceptive practice because I am being forced to pay the full interest on each payment because it is not allowed to process earlier than the scheduled date each month without losing the .05 % interest rate reduction. For example, if I were allowed to pay my auto payment that is due to run on XX/XX/XXXX today, XX/XX/XXXX, I would avoid paying 18 days of additional interest on my {$820.00} monthly payment amount. It was not in my contract that I would be 'penalized for making payments early ', however that is the case due to the penalty on both options given.
Consumer complaint received 2021-01-12
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)

I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off XXXX XXXX XXXX XXXX ( Opened XX/XX/2015 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK ()

East West Bank changed the control of my bank account without my signature, and without checking with me, someone illegally forged my signature and changed the control of my account. Now they are closing my account without my consent. When I close my account, I ask for the remaining money to be transferred to another bank account of my company, but East West Bank disagrees and insists on sending me a check. I refuse to send me a check, because we can not transfer the checking account to this newly opened account, so we ask for a refund. We wish to return the funds to our XXXX XXXX  account in XXXX XXXX. I'm extremely unhappy with the way things have been handled so far
Consumer complaint received 2022-01-12
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: CITIBANK, N.A. (OH)

Citbank has refused to update XXXX of my settled less than full settlement I made on XX/XX/2021. They have acknowledged that theyve received the payment and that a settlement was reached. Yet they refuse to send that same notification to XXXX. This is a blatant attempt to continue to ruin my credit and prevent me from getting future loans. If the issue is not corrected appropriately I will be contacting my lawyer.