davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was an authorized user on my mother 's XXXX XXXX XXXX XXXX ( partial account number XXXX ). My name was removed from this card. I never made any charges on this card. I disputed this with Trans Union and they left it on my file. I contacted XXXX and they said that my name was removed and the credit bureaus must remove the item through the dispute process. 

I disputed this again with Trans Union and they only added : " Relationship Terminated '' in the ECOA field. This is a violation of my federal rights. All credit bureaus have removed authorized user accounts when the AU 's name is removed from the account for the last 30 years. Why am I being discriminated against on this particular account. 

If my " relationship '' has been terminated and I was never contractually liable in the first place, the account should not be on the file. I want this removed from my Trans Union file.
Consumer complaint received 2019-12-03
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I received ads in the mail suggesting a refinance with no cash out, no fees, no appraisal or credit checkroom my mortgage company. I applied for a refi to lower my interest rate with no cash out with Amerisave Mortgage who now is already the holder of my original mortgage. After signing the initial paper work that was all done electronically, I get a phone call from XXXX XXXX who ask me for a payment of {$390.00} in order to continue the process. I question why he was asking for money when I was not supposed to be imposed any fees. He stated it was not a fee just a something they do at this point in the process and that it would be returned to me in the form of a check. He assured me that this money was not a fee and would be refunded. Reluctantly I continued to ask him to explain and he repeated that this was not a fee and refundable and that they do this all the time. So I paid the ( no fee ) and thought about it for a couple of days and just did not feel they were being honest and I could not find mention of this fee in any of the paper work I had signed and as well why did he ask for the money over the phone when everything else had been handled electronically. I sent them an e-mail asking that the process be ended and to refund my money. A week later XXXX XXXX called and said that they would not refund my money for it was only refunded only at closing. Therefore I appeal to the CFPB for assistance in what I feel is fraud.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

I am writing to seek assistance in a matter concerning a XXXX XXXX XXXX XXXX  that I purchased with a value of {$500.00} from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, on XX/XX/, at XXXX XXXX  The card number indicated on my receipt is XXXX Immediately upon purchase, the card was activated. Regrettably, the following day, I realized that the card was lost, and despite my efforts, I have been unable to locate or recover it. In light of this, I promptly contacted the helpline at XXXX, which is listed on another gift card of the same type, to request a replacement card. 

However, I encountered difficulty during my attempts to secure a replacement card, as my request was denied each time I contacted the provided phone number. The denial was based on my inability to provide the card number. I wish to bring to your attention that I possess the original purchase receipt for the gift card, which clearly displays the card number. Unfortunately, the agent I spoke to over the phone was unable to recognize this card number. Additionally, I have in my possession the credit card used for the initial purchase of the gift card, providing further proof of the transaction.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap oneXXXX XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up XXXX everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer. Now I am filing a complaint because Capital One is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These late payments are a defamation of my character are therefore INACCURATE and your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. The law states that transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately. Furthermore, you have also violated the Truth In Lending Act, more specifically, 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$78000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2019 and the subsequent response received on XX/XX/2019 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$78000.00} -This is not my account.
Consumer complaint received 2023-11-27
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. (PA)

My Name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX XXXX XXXX I made a deposit in the ATM and the machine broke down not crediting me my {$2000.00} in cash. After the bank investigated they only credited me {$100.00}. The back is not further helping me with a more thorough investigation that needs to be done. I will attach the ATM receipt given at the time and the fax confirmation of when I faxed it to bank that they claimed they never received.
Consumer complaint received 2023-10-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (UT)

XX/XX/XXXX : I submitted my documentation and my loan was approved, confirmed the money should be sent to XXXX XXXX XXXX servicer for private loans and NOT to XXXX for federal loans, made sure documents showed where to send check to, confirmed check should be sent to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX : received an email that loan payoff was sent to XXXX, not XXXX. Contacted them via chat and Earnest said XXXX is serviced by XXXX, so the check would need to be sent there XX/XX/XXXX : {$15000.00}, check was disbursed and sent to servicer XXXX XX/XX/XXXX : reached out to Earnest via email to let them know that XXXX is not serviced by XXXX and they sent the check to the wrong place, I confirmed this with XXXX Between XXXX XXXX I chatted and emailed with many people who told me they would cancel the check and reissue to the right address and servicerXXXX XXXX 

XX/XX/XXXX : XXXX said check was sent to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, I replied to the email and said XXXX is not the servicer and payment should have been sent to XXXX  but got no reply XX/XX/XXXX : chatted with virtual assistant who said to chat back during the week XX/XX/XXXX : email from XXXX who spoke with XXXX, a rep I was previously working with, She said XXXX would be returning the check so they could reissue the check to XXXX, she also acknowledged I submitted my documentation showing the XXXX loan details and payment address XX/XX/XXXX : XXXX reached out to me via email saying she confirmed her treasury team did send the check out incorrectly and it is their mistake, they are working on a resolution and will defer my payments, confirmed it may take some time, she will be my point of contact until this issue is resolved XX/XX/XXXX : sent XXXX an email stating that XXXX applied the check that Earnest sent them to my account so the payment is probably not being returned, I emailed XXXX to ask them to return funds as well XXXX later replied to my email letting me know she escalated the issue and they are still waiting for the funds to be returned, said once they have the funds back they will disburse it to XXXX XXXXXX/XX/XXXX : emailed to thank XXXX for her help XX/XX/XXXX : XXXX emailed with no updates and money had not been returned XX/XX/XXXX : I emailed XXXX asking for an update and asking if they can issue a check to XXXX in the meantime, as this was not my fault, XXXX said she'd reach out to her leadership team about a resolution XX/XX/XXXX : I emailed XXXX asking for an update and expressing I no longer want to work with them because their mistake has taken 2 months and is still not fixed
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

On XX/XX/19, I sent a request for validation on 2 separate medical debts that Credit Control is reporting on my credit. I received a response from them that contained no information to justify the alleged balances they claim that I owe. To my knowledge, all of my medical debts have been satisfied. I do not believe that I owe them a balance at all. I responded in writing to Credit Control on XX/XX/19 advising again that they need to give an explanation as to why I would owe a balance and I advised them again that I do not feel that the information they provided was sufficient. They did not reply with any additional information to support their claim. Additionally, they have never sent me a notification of this debt or provided me with my rights to dispute which is a violation of the FDCPA. I only discovered this when I pulled my credit in XXXX.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have inquiries on my credit report from XX/XX/2018 that I did not authorize, I have been trying to file a identity theft report with identitytheft.gov and was informed that I can't file one do to the government shutdown. Please remove these unauthorized inquiries from my equifax, XXXX, and XXXX credit reports. The inquiries I do not recognize ot authorize are as follows : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 -XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 XXXX  - XX/XX/2018 XXXX XXXX XXXX   - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX - XX/XX/2018 XXXX XXXX XXXX - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 - XX/XX/18 **Letters attached**
Consumer complaint received 2024-03-15
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. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-07
Product: Credit 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: Bread Financial Holdings, Inc. (CA)

This is a case of conflict of interest against the consumer, summarized as follows : Credit issuer is declining to issue a chargeback to their partner store card merchant for defective merchandise returned, because their partner store card merchant feels their return policy has been violated [ paragraph 5 ].

Credit issuer admits in their attached letter that they are " ( not ) responsible for handling matters related to sales, merchandise processing, returns and shipping. '' [ paragraph 4 ] Yet credit issuer, despite acknowledging in their own words that " the laptop was liquidated ( by their partner store card merchant ) '' [ paragraph 5 ], refuses to refund the consumer for a defective device no longer in the possession of said consumer - flying in the face of their immediately preceding assertion, instead acting as the enforcer of the return policy. 

If there were no conflict of interest and the credit issuer claim that " Comenity Capital Bank and XXXX & XXXX XXXX are separate entities '' [ paragraph 4 ] were truthful ; credit issuer could only have decided on the logical basis of the physical possession of the defective merchandise, instead of a third party return policy. Clearly this is not the case as credit issuer has based their decision on an ostensibly third party return policy instead.
Consumer complaint received 2022-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

XX/XX/XXXX I requested student loan payments I made earlier this year be refunded in accordance with HEROES act totaling just over $ XXXX. After XXXX weeks of no action I called Aidvantage on XX/XX/XXXX and was told the request had been waiting on supervisor approval but was not currently planned for approval. I eventually got said approval requesting the refunds with no further delays. I was told to expect to wait XXXX weeks from XX/XX/XXXX for full refunds. I am now XXXX into waiting for my payments to be refunded in-full as requested. {$4500.00} as of last week has started showing with nothings else reported. Please see attached documentation and listing below. 

Payments : XXXX {$4000.00} XXXX {$8300.00} XXXX. {$7600.00} XXXX : {$20000.00}
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On XX/XX/2018 I had all 3 credit bearus investigate LVNV Funding it was determined that the debt was not mines and deleted from my credit report on XX/XX/2018 I was notified of the same collection being placed back on my credit by LVNV Funding.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Consumer complaint received 2024-03-15
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. ()

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

On XX/XX/2022 i presented at Bank of America to deposit a check drawn in the Oklahoma XXXX XXXX office in the amount if {$3000.00}. When I presented I asked the Teller and her supervisor how long of a hold and was told until XX/XX/2022. This morning I logged in and the hold is until XX/XX/2022. Its XXXX and XXXX injured with a XXXX XXXX and BOA high jacks my funds and is dishonest about it as well. I spoke with BOA customer service who then connected me with XXXX ID XXXX she was rude condescending speaking down to me with XXXX empathy and no solution
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.