davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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. (TX)

I have disputed a collection account from XXXX XXXX XXXX XXXX with Transunion which appears on my credit report for a debt I don't owe. Transunion sent me a letter saying they wouldn't investigate the matter. I am a victim of identity theft. I want Transunion to send me the name and phone number of the person they spoke with to verify that the fraudulent debt is mine ; I want Transunion to provide me with a Contact containing my handwritten signature. Transunion can not put inaccurate information on my credit report while thumbing their nose at CFPB.
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America sold XXXX of my checking accounts to XXXX Bank in XXXX, Virginia, without our knowledge. They gave our SSNs, bank account numbers, names and address to a bank we had no affiliation with. When I questioned them, they said they sent us a notice. I did n't receive anything. XXXX weeks ago ( after they XXXX sold XXXX of my accounts ) I went in and closed it. I asked if they were going to sell the XXXX account and was told " no ''. Yesterday I received another New Account Letter from XXXX Bank saying they were the owners of my XXXX account. When I asked BofA why, I was told that because BofA was more than XXXX miles from my residence, they chose XXXX Bank that was closer to my home. I will close the second account next week, after my last payroll deposit hits the account. I think what they have done is illegal. It is unethical and quite simply unbelieavable. I had had XXXX of my accounts for 26 years.
Consumer complaint received 2023-10-19
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: Experian Information Solutions Inc. (TN)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (PA)

I called Citibank NA to open a checking account and a money market account. I supplied authorization for an ACH transfer to take {$50000.00} from my XXXX XXXX XXXX  account to fund these two new accounts. I called them twice within the next month trying to get them to do the ACH transfer so I could use my account. I even had one customer service rep tell me to just do it myself. I would not since the authorization was given to them & I was afraid of it hitting twice and over-drafting my XXXX XXXXXXXX XXXX account. After another week, I gave up. I called them again and told them to close both accounts. I closed my XXXX XXXX XXXX  account and moved to XXXX Bank instead of Citibank. Three days AFTER I told them to close the accounts, they attempted two ACH transfers from XXXX XXXX XXXX to fund the accounts that I told them to close. XXXX XXXX XXXX  account was already closed. The only way I knew they tried to do the ACH transfers is because they sent me service charges notices. I called again. I spoke to a supervisor named XXXX who said he would take care of it. Now I received notice that both accounts were closed and I am supposed to pay the overdraft amounts on these accounts. I called AGAIN today. I was transferred to a supervisor but it was a bad connection & I asked her to call me back. She called, but as soon as I answered, the call dropped. I called again, held 20 minutes and got disconnected. I called again and got a supervisor, who said she could not verify the account with the information I provided. I told her that it is the same information that I provided for every single call and asked her to go over it again because she must have put something in wrong. She refused and said she could not help me. I asked her for her name and she would not provide it and hung up on me. I DID NOT overdraft my accounts. I have done absolutely everything I could to get this corrected, but this bank has repeatedly done nothing to correct their mistake. The bank involved is Citibank NA, Bank by Mail, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, phone XXXX
Consumer complaint received 2024-03-08
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: EQUIFAX, INC. (SC)

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 2022-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX got a a fleet farm card to his address with his name on it with my numbers on it maxed out my account i contacted local sheriff department they come we notified synchrony bank on 3 way call then he took over i just found out nothing happened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then i found out he got all our stimulus checks after our account was closed by using cash app XXXX its on my bank statement i just found
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (HI)

XXXX, My name is XXXX XXXX XXXX, and I had an account with XXXX XXXX who then reassigned me to Navient. During my time with XXXX XXXX I was told to go into forbearance, instead of income based repayment.I was also not disclosed the long term effect of doign what they suggested. I was then in forbearance with XXXX XXXX and Navient. I have been able to make payment, however I notice that I would only need to pay every other month. I found this concerning and placed a phone call XX/XX/2016. I was told it was glitch in their system and not to worry that my payment was not due for another month. This happen over the course of last years. Also, review the amount I am paying interested is outstanding. At, this point I am concerned with the way my account is being handle and how my payment are I applied. 



XXXX, XXXX
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have reached out to XXXX, Equifax, and XXXX on multiple ocassions and via phone, mail, fax, and online disputing to have these errors corrected and they keep reappearing or being ignored. 

My personal information on my credit report should read as follows : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX EMPLOYERS : XXXX XXXX  XXXX, and XXXX XXXX XXXX Anything other than what is written above is inaccurate and needs to be removed. I have contacted the companies associated with any accounts that may have it listed wrong, but it is STILL listed wrong and XXXX, Equifax, and XXXX refuse to fix it. 

EQUIFAX : NAME : XXXX XXXX- Not my name XXXX : NAMES : XXXX XXXX. NOT MY NAME XXXXXXXX XXXX NOT MY NAME XXXX XXXX XXXX NOT MY NAME XXXX XXXX NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, FL XXXX XXXX : MY CURRENT ADDRESS IS LISTED INCORRECTLY. 
CURRENT ADDRESS IS : XXXX XXXX XXXX XXXX, FL XXXX NAMES : XXXX XXXX. NOT MY NAME PREVIOUS ADDRESSES : XXXX XXXX XXXXXXXX XXXX  NOT MY ADDRESS XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX. NOT MY ADDRESS XXXX, FL XXXX
Consumer complaint received 2022-04-16
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (IL)

I have three credit cards with CITI bank. One is an XXXX card with an annual fee of {$99.00}. I'd like to close that card but move my credit limit from that card to one of my other two cards with CITI. They will not allow that. So my choice is either pay {$99.00} fee per year to keep it open, or close the account and see my overall credit limit significantly decrease, therefore damaging my credit score. 

I spoke with CITI on the phone today and then used the chat feature, but they simply closed my account, saying they would not move the credit limit to another card and they would not waive the fee.
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (PA)

In XXXX of XXXX, I reached out to Affirm Inc. over the phone after noticing unauthorized loans noted as delinquent on my credit report. I did not open these Affirm loan accounts and did not authorize anyone to use my personal information to obtain loans from Affirm. After the phone call with the Affirm representative, it was promised that the issue would be resolved and I would receive an email within 7-10 business days. None of this occurred. I did not receive an email or any contact from Affirm. In XXXX of XXXX, I noticed more fraudulent loans appearing as delinquent on my credit report. At this moment, it became apparent to me that Affirm had done nothing on my behalf. Affirm failed to shut down the two accounts that contained my social security number. Again, In XXXX of XXXX, I pleaded with Affirm to help me. I asked that they please shut down any accounts that contained my information. The representatives repeated the same lies from XXXX, stating that I would receive an email with more information. At the time, I did not receive an email or communication from Affirm. I was left in the dark while some thieves had access to Affirm accounts with my social security number. It was not until I reached out to Affirm on XXXX, XXXX, XXXX that I finally received an email asking me to submit an Affidavit form. The form was submitted, however, on XX/XX/XXXX, I received a follow-up email requesting that I again submit another Affidavit form on their website. I suspect that this was done to give them more time to respond to my request. As of today, Affirm continues to report to XXXX that those unauthorized loans belong to me, despite the fact that Affirm has failed to do a proper investigation. In other words, Affirm is blatantly lying to a credit reporting agency out of laziness. Affirm has repeatedly lied and promised to shut down the accounts that were using my social security number without my authorization. Now, I am being harassed by emails from Affirm asking me to pay the delinquent loans. These are loans that I never authorized or received goods from. Affirm is allowing someone to continue to have access to my accounts. They refuse to take my claims seriously. I did not receive any contact from them until XXXX, almost four months after I initially reached out to the company. I was given the runaround multiple times, all while my credit report continues to suffer. Furthermore, I was told by one of their representatives that either one or both of the accounts had a different first name. I can not believe that their website has such faulty security checks in place. Not only did they allow two accounts to be opened with my social security number, but the information ( name ) does not match mine.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.
Consumer complaint received 2022-01-30
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. (FL)

I have contacted each company listed below as well as XXXX, Transunion, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.
Consumer complaint received 2023-07-20
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had to replace 2 credit cards because I lost my wallet, the accounts were removed from all 3 credit reporting agencies but should not have been removed. I contacted my 2 credit card companies and they stated that by LAW they must report to the 3 credit reporting agencies ... .the cards are XXXX account ending in XXXX and XXXX XXXX account ending in XXXX ... ..The credit reporting agencies are all giving me the run around on why they are not reporting and placing blame on the creditors XXXX  and XXXX  XXXX ... .now if these accounts were delinquent or fraudulent accounts I will catch XXXX getting them to not report them ... ..this is complete XXXX!! both of my accounts should be reporting a XXXX balance and every payment has been made on time ... my credit score is stagnant because none of them are reporting my credit cards! they keep placing blame on the 3 creditors but the creditors said that it is up to the credit reporting agencies to update everything in their systems. I am baffled on what actions to take at this point, I just want my accounts to report as they should ....
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance to with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a XXXX delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to XXXX of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX Old XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX po box XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX 4840.This account was reported 30 Days late on my credit reports and Im am requesting that the XXXX delinquency be removed and listed paid as agreed. I was notified via of email by XXXX XXXX XXXX service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX  XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Over paid a closed account at Bank of America. Bank of America had been " processing '' the refund for almost two weeks. The first person said 3 to five days. Second said 7 to 10 days. Person this morning said review process not started. They either owe me {$76.00} or {$58.00}. Depends on who you talk to.
Consumer complaint received 2023-10-19
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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