davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT XXXX XXXX LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Consumer complaint received 2021-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Brett M. Borland, P.C. (GA)

I received a call from a collection agency and negative reporting to my credit file for an apartment complex where I never lived. Not sure how or why my information was used. I requested a copy of the contract to see what information was directly used however have not received any of that.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (CA)

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NC)

Caine and Weiner at XXXX XXXX XXXX XXXX, KY XXXX has been sending me collection notices in the amount of {$100.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.
Consumer complaint received 2020-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

When we first bought our home in XXXX, we were told that we could remove PMI if we did an appraisal and LTV was under 80 %. Then the mortgage was acquired by XXXX, who told use their policy was to remove it after we have been with them for two years, provided that the LTV was under 80 % after an appraisal. On the two year anniversary, XXXX sold the loan to Loancare LLC. 

When I first contacted Loancare, I was told it's must be with the loan for the life of the loan and can never be removed. After calling back about it some time later, I was told after the loan is 7 years old. My latest call, today XX/XX/XXXX, I was told 11 years. We're at a point that we would like a solid correct answer. I requested documentation showing why they would not remove it from the original closing documentation, but I was never sent anything. I feel I have been lied to many times.
Consumer complaint received 2020-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA (GA)

To Whom it may concern, I financed a Motorcycle at my Yamaha Dealer, the original loan was serviced through XXXX XXXX  Account No XXXX. In XXXX of 2020 I received a letter from Yamaha Financial Services they had taken over the loan from XXXX XXXX. On a letter dated XX/XX/2020 I received notice from Yamaha Financial Services showing my account Number had Changed to XXXX which is what I sent my next Payment to. The correct Account number should have been XXXX. Yamaha has lost a payment due to them sending me the wrong account number or they credited it to the wrong account number. After multiple calls, e-mails and letters, I keep getting delinquent payment notices from Yamaha. The refuse to acknowledge their error. I have attached paperwork showing no missed payments including bank statements. My latest Yamaha financial statement now shows 2 missed payments, it's like they're making this up to spite me. All I ever get for a response is they're researching it. 

Thank You XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2020-06-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, someone who was not myself cashed a check against my account for {$620.00}. The first I knew of this was on XX/XX/XXXX, when I received my Credit Card statement showing an overdraft charge and associated fees for this amount. I immediately called both the bank and the company who issued the card explaining that I had not cashed any check and knew nothing about this transaction. An inquiry was begun. On XX/XX/XXXX, I received a letter from said issuer that they had examined my account history and determined I was responsible for this transaction. I have made numerous trips to the bank but they can not find the check or any information on it. They have tried to be helpful but I am still getting billed or this amount and subsequent charges. This was a fraudulent transaction. Shouldn't the responsibility of locating the perpetrator belong to the bank? Why am I, a XXXX senior, being persecuted? 
On XX/XX/XXXX, the bank had sent me a letter informing me that on XX/XX/XXXX, someone had attempted to cash a check for the same amount. It was determined that the signature was fraudulent and cashing had been refused. I was told to do nothing. Why was the check cashed in XXXX? Why did they wait 3 months to notify me? Two days after receiving this letter I tried to use my debit card but my account had been closed. No reason was given but a new card was issued. It turns out I had received this check in XXXX, took it to the bank but it never got into my account. I must have lost it. I had been caretaking a sick family member and left immediately for a few days of rest. I totally forgot about the check.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I tried to check my credit report with TransUnion on XX/XX/20. Their website used deceptive tactics, routing me to sign up for credit monitoring service without ever stating that it would charge me {$19.00} per month. Their website asked for my credit card information, however the website never notified me that TransUnion would charge me a monthly fee, and it instead appeared that my credit card information was needed to obtain my credit report. When I received my TransUnion credit report, I never received any notification that I had signed up for a monthly fee, nor did I receive an email receipt stating this charge. When I checked my credit card transactions the next day, a {$19.00} charge was listed from TransUnion. I then went to the TransUnion website, logged in, and found it exceedingly difficult to cancel this subscription, as the link was hidden away in a page ostensibly unrelated to billing or subscription services. I then called TransUnion to dispute the charge, however I remained on hold for over an hour. 

After looking into this issue, it appears that TransUnion has used similar tactics to have customers unknowingly sign up for services in the past ( see an example here, which I found was written up on cleveland.com https : XXXX ).
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (NC)

When I tried to link my bank account I've got an error that PNC Bank did not let me to link my account and the only option to fix this was filing a complaint. 
Here is the message : PNC has made a change that prevents you from being able to link your account. File a complaint with the CFPB.
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

CitiBank is the bank I have a complaint about, I currently have a credit card with Citi Bank and then I was offered an online checking acct so I decided to sign up for the checking acct back in XX/XX/2019. 

So just this month ( XXXX ) suddenly I receive a notice that I have a overdraft fee of {$34.00} that was caused by a monthly fee of {$30.00}. So I immediately try to contact the bank to discuss and tell them I was never advised of such a fee nor charged a monthly and its impossible to get thru online on phone and due to current events in person. 

I believe this is profiteering I will not a monthly fee of XXXX that i was not told of or charged this is a scam. 

Please help me.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I recently obtained a copy of my credit report and there are inquiries reporting on my report that I did not authorize. I am very concerned about this situation because someone is applying for credit using my information. This situation is causing major stress and I need it to be taken care of immediately.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I signed up for a Venture Credit Card by clicking on the promotional offer link advertising XXXX sing up bonus points. I completed the requirements and no bonus was awarded. I called and was told my account didn't show the initial sign up bonus. I was told it would be escalated to a supervisor. It was confirmed that my account would have been eligible and that I met the spending requirements. The company then refused to provide the bonus. 

I was told I was not allowed to talk to a supervisor. I send emails to the Director of Complaints, XXXX XXXX. I did not receive any response. I followed up with emails to various others in upper management and have been ignored.
Consumer complaint received 2020-06-12
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. (GA)

I recently got out of an abusive relationship after living in a battered women 's shelter for quite some time. In hopes of restarting a new chapter for myself and my kids, I started reviewing my credit report about 4 months ago, in anticipation of making a home purchase. However I noticed negative and derogatory reporting by XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, ( XXXX ) XXXX. I contacted the company in writing to ask about information about this account and how this debt came to be as I have no knowledge of it. I also have not done any business with this company. The company responded by sending me an invoice for the bill, requesting payment. I attempted to contact them several other times in order to get information however, their response would always be the same. They would send me an invoice demanding payment and nothing else. 

In the meantime, the company has continued derogatory reporting to XXXX, XXXX  and Experian - which has in turned ruined my credit score. At this point, I am seeking intervention to stop this company from violating the law. Please let me know how I should proceed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I received a XXXX XXXX credit card to purchase an engagement ring for {$15000.00} because of it's promotion of 0 % interest for 12 months. If the balance is paid in full in 12 months ( XX/XX/2020 ), no interest will be charged. First off, their online system does not allow automatic payments, but instead you can only schedule ONE payment ahead of time, making it very hard to keep track of your payments. Ok, come XX/XX/2020 I was in the process of disputing a {$38.00} late fee. I scheduled to make full payments to pay off the balance on time. After I scheduled my payment, I was also charged a {$2.00} interest charge on my late fee. As of XX/XX/2020, my balance of $ XXXX was paid off, except for {$40.00}. It was because they did not waive my late fee and the interest charge, not the original balance. Because of this, they proceeded to charge me the entire deferred interest amount of {$4000.00} and are refusing to remove it. I have contacted them multiple times and they are refusing to work with me, especially during the national crisis. I can not file a lawsuit as the courts are closed, and they are continuing to charge me interest month after month.
Consumer complaint received 2020-04-13
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. (OH)

I was at XXXX XXXX  today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in XXXX addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The XXXX fraudulent account are XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX SUMMIT XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # XXXX  XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (OH)

I was at XXXX XXXX  today and I needed to pull my credit for business transaction and I discovered that someone has done a ton of fraud in my name for accounts and lines of credit in my name. I have over four different SSN numbers showing on my credit file that are definitely fraudulent SSN numbers. I have 20 something address showing and I have only lived in 3 addresses in Ohio. Please delete remove the following SSNs : XXXX, XXXX, XXXX, XXXX. My name is XXXX XXXX XXXX and DOB is XXXX and SS is XXXX. Please remove delete any variations of my name and SS. The two fraudulent account are XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX These are the fraudulent addresses on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX  XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX  XXXX, WA XXXX, XXXX XXXX XXXX # A XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have contacted the authorities here in XXXX OHIO and I have filed a Police Report as well as a FTC ID Theft Report. I am not married to XXXX a please remove him as a spouse form my credit file please and thank you!
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MN)

US Bank put into process of closing my checking account XXXX back in XX/XX/2024. I call multiple times and asking for complete closure of account and remaining funds be sent by check to my home. I has been doing that since XX/XX/2024 and still with no answer. They refuse to release my funds even though there is no fraud on this account but they said there was. The funds held are to pay my bills and livelihood and they are not giving me any reason and is holding my money illegally. Please help me get my money back so I can start paying my bills and supporting my child.
Consumer complaint received 2020-08-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Braviant Holdings, LLC (MO)

On yesterday XX/XX/20 Ive received a phone call from XXXX the rep did not state her name nor where she was calling from. The lady verified the last 4 of my ssn and stated that she was calling from Balance loan. I attempted to explain that I can not pay back the debt due to my being laid off due to covid. I informed the rep that I have limited income of {$130.00} per week and that not enough to pay anything. The lady then began to questioned me about a vehicle that is listed in my name and started to threaten me talking about collateral. When I asked the name of the company she would not state the info nor her name. She also threatened me to say that the docket was on her desk to have me prosecuted.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the items attached to this file from my credit report. I am a victim of Identity theft and did not make the charge. I demand these items be deleted to correct my consumer credit report. I reported this theft to the Federal Trade Commission. I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2020-04-13
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. (TN)

To Whom it May Concern : I was charged {$52.00} on XX/XX/2020 by Macys, to my Macy 's credit card for an in store purchase. That purchase was made by an individual who has stolen my personal information and was/is using it to make multiple other purchases ( car ( s ), musical equipment, applying for an apartment, etc ). 

On XX/XX/2020 Macy 's provided a confirmation statement that they were reviewing my submitted dispute, and that their investigation could take 45-60 days to complete. This document also advised that I not pay any charges related to the disputed items purchased ( {$52.00} ). 

On XX/XX/2020 I was charged a {$27.00} late fee and on XX/XX/2020 I was charged a {$2.00} interest fee. Again, on XX/XX/2020 I was charged a late fee, this time of {$38.00}. On XX/XX/2020, I was charged an interest fee of {$2.00}. 

Presently, my Macy 's account shows that I have a balance of {$120.00}, and that will increase when I do not make an XXXX payment. On XX/XX/2020, Macy 's was officially outside of the 60 days window they had provided for completing their investigation. 

I submitted a second dispute to Macy 's and received an identical notice that they were working to resolve the issue, this time dated on XX/XX/2020. Since that time, I have called their customer service line several times, only to be told on each occasion that there were/are no agents available to provide an update on my case. I have also received multiple phone calls from Macys ' banking partners seeking collection from me for the balance, which I am not liable for. 

Because of this ( and corresponding actions made by the individual who stole my private information ), my credit rating has suffered significantly, preventing me from being an active creditor in the marketplace. I have not been able to purchase a car when necessary, and I have not been able to move forward with purchasing a home while moving jobs, cities, and states. I have been given no update on when Macy 's will be able to resolve the issue, and because of that, can not make responsible plans for the future.