davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A. (NY)

I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I was flagged as having a delinquent account with the Golden 1 Credit Union for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the Golden 1 Credit Union and had my email, phone, and living residences on file. 

I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the Golden 1 Credit Union multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately. 

I filed a dispute request through XXXX in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps. 

I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute the reporting of my student loan on all three credit reports, TransUnion, XXXX, and XXXX The loan is listed multiple times on each agency report with varying, inaccurate and conflicting information. 


Please verify all reported sections on these accounts. The late payments on this account are over seven years. I have worked diligently to rebuild this account to a good standing status. This inaccurate and outdated reporting is detrimental to my credit score and does not accurately reflect my current account status.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (VA)

I am unable to withdraw my advertising revenue from my XXXX account via Google XXXX because my Google Payments profile is locked. 

Furthermore, my websites are linked to this Google payment profile and I can not transfer them. They are stuck not being renewed until Google releases this obscene lock. 

I have tried MULTIPLE times to have it unlocked, provided Google with all the documents that they ask for in their unlock procedure, yet I am still rejected every time. They refuse to tell me why or what I can do to unlock the account. 

This is unfair and deceptive practices. They applied a permanent ban on me for no reason. I believe it is because of my age or ethnicity and their prejudice.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (IL)

My Home Depot card had a 0 balance. I got a letter in the mail ( XXXX. XXXX, 2020 ) stating I owed {$2900.00} and that my account had been closed. My Credit limit is only {$500.00}. I called them that day to file a dispute and fraud charges. I talked with Home Depot card and Citi Bank. First person said they thought it was strange and they would fix it. They were going to reinstate my card and send out a new one, and that it would take a month to be taken care of. I never received the new card. I started getting phone calls that I owed to the Home Depot/Citi bank card. I called again, they sent me to someone from Citi Bank. They said they would take care of it. I told them I did not want another card and to cancel it. I later found out I had another one with the amount of {$120.00}?? I called them back. They told me not to worry about that card and that I did not owe it. I kept checking my account online. They kept changing the amounts back and forth to both accounts. I called them again and they sent me back to the dispute center for Home Depot. The lady asked me what my bank account number was, I told her and she said that is not where they sent the money to. I was told that the {$2900.00} was direct deposited into my account. I told them I never received any money from them. They said it would take about a month for everything to be taken care of. Meanwhile I'm still getting phone calls and the {$2900.00} and a charge is on my credit through XXXX XXXX. To this day they have not taken care of it.
Consumer complaint received 2020-08-18
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 (NJ)

There are two accounts listed seperatly from Capital one on my credit report, but they have the same account #. I have no knowledge of opening a 2nd account with Capital One in XX/XX/XXXX as one account states. Further, I did have a secured card with Capital One which was opened in XXXX or XXXX. Unfortunately due to financial difficulties I was unable to pay my bill. I contacted Capitol One in late XXXX or early XXXX and asked they close the account due to financial burdon, so late fees and interest would stop accruing. Because it is a secured card, they are able to keep my initial deposit and pay off the balance. 
Instead, it seems they kept the account open and allowed late fees and interest to accrue even during the COVID 19 Pandemic when no one was working. This is a travesty and I did my due diligence to inform them of my situation and they still let charges build up even during coronavirus. Additionally they are listing two accounts on my credit report and I never had two accounts. When asked for verification they provide no proof only " account has been verified '' I do not claim ownership of a 2nd account and want both removed from my credit report as the {$250.00} secured card should have been settled and closed as per my request
Consumer complaint received 2020-08-18
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)

Transunion has numerous inaccuracies on my report with credit card amounts related to totally unfamiliar with account numbers 2 with XXXX XXXX!! 
They have as well addresses never I resided at.only my adult son..What triggered my look at this was it is outrageous to see a score drop nearly XXXX points in a 2 month time for no good reason. How does a score go from XXXX to XXXX with ZERO late payments all paid in full NO new cards opened NO inquiries recently NO out of ratio spending based on debt to allowable spending?? 

I am not clear on what caused this but monthly payments that are not accurate must contribute .NEVER have I been late on any bill and typically pay them early ALWAYS in full If the credit agencies are treating me like this what are they doing to less fortunate who really may have 1 late payment? Is real their mission to ruin people 's credit to jack up any loan rates for lenders? I wish the CFPB would hold them all ( XXXX  too who had duplicate files on my son and it took Months to get sorted if in fact it is ) accountable!. I have no exceeded what the allotted spending to available spending ratio is yet Transunion dropped me XXXX points in1 day for a large transaction FULLY paid off before due date!! They seem to operate with no consequences ever for inaccuracies. 

Phone number goes to XXXX where a guy tries to sell me {$9.00} credit report file so I can see how Transunion messed me up He also tells me paying off my credit account in FULL may droop score FURTHER because they usea goofty algorithim from XXXX Score XXXX! This is totally nuts ...!! Never mind that I don't want outsourced labor LOOKING into my PHI info! MOST fraud comes form overseas no way to enforce anything
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (WA)

In early XX/XX/2020, I was made aware of XXXX debts on my credit report listed by National Credit Adjusters. 

To save me some time and trouble I immediately called them the same day, XX/XX/XXXX, to get my account numbers and notify them I'd be sending in a letter with an offer of payment for removal of this unverified and unacknowledged debt from my credit report. I wrote the letter that day and sent it via certified mail not long after. 

This letter also outlined my request that I either get an approval of my offer within 15 days, or I revoke my offer and request full detailed validation of the debt as I'm afforded by the FDCPA. 

I have received no response, and repeated attempts to call them now are not answered - I wait on hold for an agent only to be quickly hung-up on. 

It is worth noting here, to save myself a potential step of back-and-forth, that I had the address listed as " XXXX XXXX XXXX XXXX '' in the letter itself since that was how the company 's address was listed on my credit report. However, it was pointed out at the post office when setting up the certified mailing that the address doesn't exist, and it was sent to the correct address on XXXX XXXX.
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (MI)

Applied for refinance with same lender/servicer at end of XXXX, refi at lower rate, no appraisal necessary. Both my wife and I have excellent credit, in the 800 's, have never been late on a mortgage payment. We first purchased our home, primary residence last XXXX, XX/XX/2019. We have been run through the ringer with poor communication and miscommunication. We've jumped through all requirements expeditiously but still, almost 5 months later trying to refi. Agents, we've been passed around to several different agents, choose not to tell us if we still have the lowest 30 year fixed rate which was locked many months ago, even though mortgage rates have gone lower. We have received " clear to close '' several times but for some unknown reason, the loan gets kicked back to underwriting. This last time, we were told that the hold up was getting subordination department clearance, and we were told that it would be faster if we refi without the home equity line of credit, which has a balance of approximately ~ {$1900.00}. We want to close this refi asap so we told NewRez that we would just pay off the balance and refi without the 2nd home equity line of credit ( again we were told it would be in our best interest to get the loan done faster ). This refi has been the worst financing experience we've ever experienced and we have a lot of experience.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, Experian, XXXX  and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Consumer complaint received 2024-03-19
Product: Credit reporting 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. (FL)

I am so sick and tired of my credit score dropping for no reason. I pay my credit cards in full every month every card I have are on auto payment. XXXX and Trans union are the XXXX biggest offender of this problem.This same thing happened to me a few months ago and after contacting Consumer Financial Protection Bureau the problem was solved in days.Now that I am going to pick up a brand new XXXXXXXX XXXX XXXX truck that I ordered and with my score dropping for no reason I will be forced into a higher percentage on my loan.This is total XXXX I am a fanatic on keeping my credit score in tip top shape.
Consumer complaint received 2020-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2020-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TN)

I have been contacted multiple times by XXXX XXXX about an auto loan that is past the statute of limitations in tn. The last payment on the acct was in 2009, and according to tn state law for debt, the sol is 6 years. This acct has gone through multiple collection agencies that have attempted to collect on this after the 6 yrs has passed. It has now been 11 years since last payment was made. I tried to advise company of this, and they threatened to have my very small monthly payment from the VA garnished to pay this, leaving me with less than enough $ to pay my Bills to keep my children and myself from being homeless. The agent stated they dont care about myself or my XXXX XXXX XXXX, they just care about their client getting my money. 
They also have never contacted by letter to advise of this debt, the amt owed, or confirmed the last payment made. Only reason made threats against me
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Hired XXXX firm on XX/XX/XXXX of 2020, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX  and transunion. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Subject : Complaint Regarding Unauthorized Withdrawals from Savings Account Dear CFPB, I am writing to file a complaint against Bank of America for automatic errors or unauthorized repeated deductions from my savings account. 

On XX/XX/XXXX, I manually repaid {$78.00}, but three days later, I strangely received two additional withdrawals, one for {$74.00}. I do not have automatic payments set up, and the balance should be {$78.00}. 

I promptly contacted Bank of America, but they insisted that I discuss this matter with the security department after XXXX. I expressed my unavailability during the holiday season and requested them to stop the second withdrawal. However, they stated that I must wait three days before contacting them again for a refund. 

This inexplicable and unsettling pattern of multiple unauthorized debits, coupled with the inconvenience of constant disturbances, is unacceptable. Such actions compromise the security of consumers and waste their valuable time. 

I request regulatory oversight on this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-01-03
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. (MO)

I have applied for credit loans and the creditor was unable was unable to get credit score from TransUnion. I want an investigation as to why TransUnion didn't give Creditor my Score.
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (CA)

The company Nations Lending practices predatory lending. When transacting with their senior loan officer XXXX XXXX NMLS # XXXX, she intentionally gloss over important information. For example, she gave false information about the impact on my credit file. She claims that since I am shopping for mortgage within 30 days multiple credit inquiries will not impact my credit scoring at all. When in fact it does just to a lesser degree. I repeatedly asked her if they have jumbo loan rates with no points that is lower than a specific number I am already working with. She was very vague and evasive without committing. Most other lenders have no problem with disclosing. In the end, she gave me a rate that I need to pay over $ 30K of points for. She didnt even discuss it in specific details directly when I asked for it and tried to bury this key information in the initial disclosure paperwork. 

After reviewing other complaints filed with the XXXX I felt this is a company wide issue and want to bring this to your attention so others are aware and warned.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2020-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (CA)

My husband and I signed a loan agreement on XX/XX/XXXX with American Credit Acceptance. We put a very large payment down, but obtained a high interest loan from them. We bought our vehicle from XXXX car sales in XXXX, CA and before we signed made sure we could make interest only payments on the vehicle. They are allowed in California I was told. Once the loan was set up, we immediately started making payments on this loan. On XX/XX/XXXX I reached out to them to inquire about the process of how to make a principal payment and was told they dont take principal payments. I informed them that in California they were obligated to take principal payments, it was written into our financial laws. I never heard anything back. In the mean time I continue to make payments to this account and im feeling like its not being distributed correctly. There is more being put towards principal, but the accrued interest never falls below XXXX. And each day it increases bye XXXX. On my customer portal it states that I don't need to make a payment until XX/XX/XXXX. Is this loan set up correctly? From my understanding the way the loan was supposed to be set up was that you paid everything that was currently due. That includes all your interest charges and fees, and everything else goes onto your principal payment. Even if they charged me 1 months bill in advance. Why isn't everything else after that principal? They also limited the amount of transactions i could do through XXXX. Only 5. If I could find another loan servicer I would, but my credit score is awful.