davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-28
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. (AZ)

I have disputed this issue numerous of times with Experian and XXXX only to be told that they verified the information by computer with the creditor. Experian stated that the company certified they issued me an installment loan but I have never applied for a loan with this company. I have sent in 3 disputes asking for a copy of an application for credit with my signature as well as a signed contract from the creditor and have never received it. All disputes were sent via certified mail and received by both XXXX and Experian. This account was previously blocked for identity theft but was placed back on my credit report by XXXX and Experian without notifying me in writing that it had done so or as to why. Experian and XXXX have never noted the account being disputed no matter how many times that I have disputed this account. I never receive paper copies of the disputes updates by mail nor can I log into XXXX to check dispute information. Experian website and app does not allow me to check the dispute results but I am able to log into the website and app to see my credit report. They both also refuse to remove all addresses that don't belong to me. I have attached a copy of my dispute letter and screenshot of credit report from each bureau.
Consumer complaint received 2018-03-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CITIBANK, N.A. (NY)

I dont owe XXXX i never had an account with them I was in jail from XXXX I told them it wasnt me they dont care. they said i must pay it i got scared I didnt want to go back to jail again.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

On XXXX XXXX I went to deposit {$6900.00} into the branch at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Utah. There were two other customers in front of me in the line. My wife accompanied me inside because we had dinner reservations. We were greeted by XXXX XXXX who told us she wanted us to use an electronic ATM-style machine. I declined. She insisted and bullied us into using the machine even after explaining we had a large number of bills to deposit. 

Halfway through the deposit, the machine malfunctioned. XXXX tried to back up the deposit, but instead, the funds were trapped and the transaction could not be processed. We watched as several other customers came and went. We missed our dinner reservation. The branch manager came over to assist. Both these employees assured me they would resolve it before XXXX XXXX. He said the wait had to happen because the machine servicing team would analyze the discrepancy. Approximately {$3100.00} could not be located. 

The problem is that I do have a temporary credit, but I am ostensibly being threatened that more money could be ripped out of my account on a whim if they can not settle the deposit machine. Their promise of a XXXX XXXX resolution was not upheld. I've tried calling for assistance, but all I hear is that no new notes have been added.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Jim Bottin Enterprises, Inc (NC)

I mailed proper notice to XXXX XXXX of my intent to cancel a membership at XXXX  XXXX XXXX. I also emailed them of my intent. Despite these efforts, they have tried to deduct money from my bank account. Recently, Ive received a collection notice and a phone call about this disputed debt. This company has a terrible reputation regarding difficulties experienced by consumers trying to cancel gym memberships.
Consumer complaint received 2019-12-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been disputing this account for almost a year now and all I want is to have this account removed from my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Amount : {$1500.00} I have tried to fix this problem multiple times and told them that this account is not reporting correctly. The date opened and the amount owed is incorrect. I don't recall having a balance of {$1500.00}. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (GA)

Americollect Inc has not had my written consent to publish any of my medical information. They have infringed upon my consumer right to privacy. 15 U.S. Code 1681a ( 3 ) ( a ) ( b ) and 15 U.S. Code 1681a ( 4 )
Consumer complaint received 2019-12-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}.

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 ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Consumer complaint received 2019-11-01
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (TX)

Thursday XX/XX/2020 I went inside Comerica Bank located on XXXX XXXX XXXX XXXX, Tx XXXX to withdraw some funds from my account for rent. Unfortunately, they put a hold on my account, and put it under review due to XXXX  deposits so I wasnt able to withdraw money from my account. I called corporate Friday XX/XX/2020 and the lady whom Ive spoken to told me it would be cleared Saturday XX/XX/XXXX or Monday XX/XX/2020. Saturday, I went to the Comerica Bank I originally opened with which is located on XXXX XXXX XXXX XXXX, Tx XXXX. I spoke with someone there and she told me my account was off hold and I was able to withdraw funds from my account. I withdrew {$1000.00} from my account. I left and tried to swipe my card at XXXX to get my babies something to eat and they declined it. I tried to log in to online banking they told me I had the wrong password. I went inside Comerica Bank today, Monday, XX/XX/2020 to see whats going on. The lady whom Ive spoken to Saturday, told me yet again my account was good. I asked her if I could withdraw some money she told me yes. I went over to the teller and she says she has to get the amount approved by the supervisor. They called to verify and saw that the same bank froze my account yet again for the very same reason which was the same review from Thursday and told me I couldnt withdraw any funds from my account. Since the previous review no new deposits were made. Im making a complaint because, they cleared my account Saturday XX/XX/XXXX and allowed me to withdraw from my account and they froze it again Monday XX/XX/XXXX after no new deposits or transactions were made as of Saturday XX/XX/2020.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one and Walmart credit cards have been sending credit card ads for many different people to my address. None of these people live at my address. This has been happening for about three months now. Every week we receive letters for these people. I have called capital one three times already and each time they say theyve added my address to the do not send to list, but we continue to get letters. We get between 5 and 15 every week from both capital one and Walmart. I do not understand why I am getting all of these for people who do not live here. I have lived at this address for almost 7 years now and have never had this problem. I am now wondering who these people are, and what else they will have sent to my house or if theyre going to use my address to register to vote. I do not want all of this mail sent to my house! It literally fills my mailbox and it makes me afraid that I wont receive important mail that is actually for me. I have started writing return to sender and wrong address on these and taking them back to the post office but it obviously has not helped.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NY)

One of the benfits of my Amex Platinum card is to receive once a year a {$200.00} credit towards a hotel booking made with the Hotel Collection or Fine Hotel and Resorts. 

I wanted to utilize the benefit so I went to the AMEX website and to the benefits page and hit on a call to action " book now '' ( see photo ) assuming that that will take me to a list of eligible hotels. I did find a list of hotels and I made a booking for the XXXX XXXX on XX/XX/XXXX ( see screenshot ). 

I later noticed that I did not receive the credit. So I contacted Amex and I was told that despite the XXXX being on the list. It's not eligible as it's not part of the program. If it's not part of the program why is it on the list? The rep said sorry but there is nothing I can do! I think it's not fair and this is very deceiving. I pay {$690.00} for the card and this is disappointing.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (MI)

I financed a vehicle through Westlake Financial. I later turned the vehicle in after having it a couple years. The new car company paid the remaining balance off. I discovered that Westlake Financial was stating I had a unpaid balance of {$40.00} which was on my credit report. I contacted the current car company they issued me a check for the {$40.00} I then got a money order and sent it to Westlake Financial. This has being an on going issue back and forth with them and a third party company for years now. I also paid {$40.00} again to the third party. It's still on my credit report when it is passed the time that it should had fell off. This time period is around 2012.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I paid off my vehicle XX/XX/2021. The check cleared XX/XX/2021. Bank of America keeps making apologies and promises that never materialize and there is still a lien on my title. Please assist me in releasing my lien.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : ( XXXX Inquiry Date XX/XX/XXXX )
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I applied for the Federal XXXX loan forgiveness program. I have been XXXX XXXX XXXX XXXX for 23 years. Navient has stated that I do not qualify for this program.
Consumer complaint received 2021-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MI)

On XX/XX/2021, Convergent outsourcing was placed on my three credit reports with XXXX, XXXX and XXXX as a collection account. Can you please show Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent Experian. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2021-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

I applied for a mortgage using Better.com ( " Better '' ). During the underwriting process, Better required that I complete IRS Form 4506-C using an incorrect address. Specifically, Better demanded that I complete lines 3 and 4 of Form 4506-C using my previous address. Line 3 clearly requires an individual to provide his, her, or their " current '' address, while line 4 requires an individual to provide his, her, or their " previous '' address. I refused to provide false information to the Internal Revenue Service and thus provided Better with a correct Form 4506-C with my accurate current and previous addresses on lines 3 and 4 respectively, but Better refused to proceed with my application with this accurate form. As a result, I withdrew my application from consideration. It is troubling that Better would require consumers to provide false information to the IRS, and I hope the CFPB investigates this practice. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX. 
Georgia XXXX XXXX. XXXX
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Kia Finance is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a XXXX balance and closed. I've submitted disputes to all three credit agencies. 

I've asked for a open balance letter from Kia showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX XXXX to explain the situation. They immedialtely called Kia Finance- they could not rectify the problem.
Consumer complaint received 2024-04-10
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: CITIBANK, N.A. (NC)

I purchased a XXXX in the amount of {$120.00} on XXXX XXXX, XXXX order # XXXX online, the Macys credit card listed on the purchase ended in XXXX. I then purchased the same XXXX  in a different size in the amount of {$100.00} online on XXXX XXXX, XXXX order # XXXX paid through XXXX. 
I returned the XXXX to Macys XXXX XXXX in XXXX, NC along with two other items on XXXX XXXX, XXXX as shown on the receipt. At the time of return I recall the cashier say she made an attempt to return the purchase to credit card XXXX however she was unable to therefore she used my old charge card XXXX. 
Attached is my Macys XXXX statement showing the return of the XXXX  in the amount of {$120.00} and two other items in the amount of {$100.00} totaling {$230.00}. The charge reappears on my XXXX statement as a line item : XXXX XXXX, Macys.com purchase in the amount of {$120.00}. I am in dispute of this adjustment as previously stated and evidenced by the emailed receipt ; the online purchase date was made XXXX XXXX, XXXX not XX/XX/XXXX. 
After a long investigation I received a letter from Macys stating the refund was credited to card ending in XXXX however the receipt I received from the Macys XXXX XXXX in XXXX, NC says it was returned to charge card number XXXX. There is no question that the items were returned to the store, the discrepancy is in how the cashier made the return and where the return was credited to. 
The nearest Macys store to me closed in XXXX therefore all of my transactions have been through the Macys.com website using my original charge card number XXXX on my profile. 
The cards in question are XXXX ( my original card number ), XXXX ( new card received in XXXX ), XXXX and XXXX are both listed on my statements however I am not familiar with these numbers because I did not have a card. The complaint was investigated by the Fraud Investigation Department however, it seems this an issue pertaining to a discrepancy regarding how the transaction was handled. 
I am attaching my statements for XXXX, XXXX, and XXXX, receipt for the return to the XXXX XXXX, and Macys response.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX  XXXX )
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX