davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

XX/XX/XXXX scheduled a payment for XXXX dollars to be taken from my account and applied to the balance XX/XX/XXXX. They didnt try and take the money from my account until the XXXX so the bill got marked as late and hit my credit score. 

XX/XX/XXXX i scheduled the payment for the XXXX. This time they credited my account the XXXX and let me spend it ( paying a medical bill ) without removing the funds from my bank account. Then on the XXXX tried to take the money from my account, which was not there because i had assumed that since the cards balance was restored the money had been removed. SO they tacked that XXXX on top of what the balance already was and pinged my credit score yet again. 

On XXXX first, i scheduled a payment for the minimum balance amount of XXXX, it was promptly taken the next morning from my bank account for the date i had scheduled the payment which was the second. 

I called them Wednesday the XXXX to try and figure anything out with them by talking to a supervisor about the situation, all he could do was blame me for it and say it was my fault, which technically it is. BUT when you schedule a payment you expect that payment to go through when it is scheduled, not almost a week later. Very shady practices to get their late fees, and over limit fees and everything else added on to screw me over and ruin my credit score at a crucial moment in my life when I am looking to buy a house for my family here in vermont. I have never had this issue with any other company i have ever paid bills with. The funds are at least put on hold immediately when the bill is scheduled for payment not just left there floating. 

Shady business practices if you ask me and now i have to work another 6 months to get the 80 or so points they knocked off of my credit score and i am EXTREMELY unhappy about it, and their customer service. The guy was basically yelling at me on the phone.
Consumer complaint received 2023-03-25
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. (NY)

I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous account that is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate this account and make the necessary updates to ensure that my credit report is accurate. The listed accounts is erroneous and should be removed from my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Consumer complaint received 2018-11-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (UT)

I opened my account during a promotion to receive {$200.00} for establishing an account and setting up direct deposit of {$1000.00} within 60 days. I opened the account XX/XX/XXXX the last day of said promotion. I met the terms by XX/XX/XXXX. I waited the requisite 60 days from meeting the terms to contact the bank, I called in several times over the course of 2 weeks and never heard anything back. Eventually after  having to go into the actual branch and having people tell me that they would contact their promotions team and get back to me another and not hearing from anyone their response was that the agent who opened the account did not attach the promotion and it has expired so they would not be giving me the bonus. This is unacceptable as I opened the account within the designated time frame and met all the conditions, this was a mistake on the part of U.S. Bank and their employees and therefore needs to be corrected by them otherwise it is false advertising.
Consumer complaint received 2019-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX my bank submitted an electronic payment to LoanCare for $ XXXX.with an account # that had been the # for XXXX as the new acct # had not yet been received. LoanCare had issues with other accounts as my statement indicated double payments, then payments removed resulting in the loss of that payment from XX/XX/XXXX. On XX/XX/XXXX I called customer service to inquire about the delinquency on my statement and was given the email for the payment research dept. I sent a copy of my billpay detail to show that the payment was made and to what acct #. I was informed much after the fact that this was insufficient evidence and that they needed the transmittal number. Several calls to my bank I was informed that that information was unavailable and they provided an official statement from my billpay. Again, LoanCare said this was not sufficient as the old account # had been closed and they had no idea where the payment went. In the meantime, I am receiving notices of potential foreclosure, daily phone calls about delinquency even though my payment was theoretically in 'research '. I spoke to a manager who was extremely defensive and we had a three way conversation with my bank who repeated that the information being requested was unavailable. At the end of that call I requested that they make sure my acct was flagged so that I would stop getting the calls and letters. Every call I had with them I repeated that someone please make sure that this does not get reported as delinquent to credit agencies. I asked my bank to investigate any means to satisfy LoanCare as I was becoming afraid that they would not do their own research to locate the payment and would simply start foreclosure proceedings. My bank supplied the payment confirmation, I sent it payment research on XX/XX/XXXX. I got an autoreply from the email and heard nothing else. Today I received notice from XXXX that my mortgage has been reported delinquent as of XX/XX/XXXX. I called LoanCare, they confirmed receipt of the email and told me they are working on it and I should know something by XX/XX/XXXX. I am now waiting for a call from a manager, again.
Consumer complaint received 2018-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (FL)

All activities occurring between XX/XX/2018 to XX/XX/2018 on my business credit card account are fraudulent activities. 

I informed Citibank of the fraudulent activities as soon as they were noted on XX/XX/18, prior to several of the transactions posting to the account allowing enough time for Citibank to freeze the account but they did not. 

I contacted Citibank on numerous occasions over the phone in regards to the fraudulent activities as well as talked on the phone with a representative from Citibank, the car rental company posting a charge, XXXX, and this charge was reversed but I was never given any information as to why it was reversed. 

Citibank reversed several other charges that was disputed during this time period, but would not reverse other charges that occurred during the same time period. 

I have requested on more than one occasion that Citibank provide me with all the details of their investigation into this matter including the phone conversation regarding a car rental transaction that Citibank later stated was fraudulent, all discovery and any information that they obtained during their investigation. They will not supply me with any of this information. 

I have discovered that I was a victim of identity thief during this same period and I had fraudulent activities on this account similar to other fraudulent activities noted on my other credit card accounts during the same period of XX/XX/2018 to XX/XX/2018. There were even 2 credit card accounts opened in my name during this period of time. 

I have filed a police report in regards to all the fraudulent charges made from XX/XX/2018 to XX/XX/2018 on this account but Citibank is not assisting in any way with the matter. 

This account has been closed to prevent any further fraudulent activities.
Consumer complaint received 2022-07-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent credit report.
Consumer complaint received 2023-03-25
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. (NY)

XXXX submitting a complaint to you today to inform you I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX & XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I am filing this grievance as I monitor my credit and was alerted to a collection reporting from I.C System , Inc. Account number XXXX, that has dropped my scores significantly. Ive received no phone calls or communication via USPS mail to confirm this debt is mine or valid. Due to this I did not obtain the full statuatory period that would have allowed me to dispute the validity of the debt prior to it updating with the credit bureaus. If I had, the collector would have been advised that this debt is time barred and needs to be removed post haste due to misleading and erroneous collection practices.
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be a fraud, see attached FTC Report. Moreover, no adequate information has been given, and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank uploaded a 1099 for my XXXX taxes on XX/XX/XXXX, well past the deadline to provide 1099s of XX/XX/XXXX. I had already filed my taxes at this point so I needed to amend them and alerted the bank to the issue. They told me they would not help me out so I amended the taxes myself on XX/XX/XXXX. The bank then sent a letter out on XX/XX/XXXX stating that they would cover the cost of amending a tax return due to this error. I called the bank and told them my situation and they said they needed an invoice from an accountant to reimburse me. I told them I couldn't get an actual invoice since I amended the tax return myself because I was originally told that I wouldn't be getting any help and the letter offering reimbursement went out a month after the late 1099 was uploaded. I got a quote from an accountant for what it would have cost so I could be reimbursed for my time but they denied reimbursing me based on that. I never would have amended the taxes on my own if I had received the letter earlier. I would have had an accountant do it and saved my own time but they sent the letter almost a month after uploading the late 1099. I was not able to be reimbursed because they originally said they wouldn't help and I filed on my own.
Consumer complaint received 2023-03-25
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance : {$100.00}, XXXX XXXX XXXXXXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (IL)

I fell behind on my payments on my Target Store Card. I contacted Target and was told that my account could be " rehabilitated '' via a " program '' that would credit back all late/over the limit fees once the program was complete. I agreed to allow Target to debit payments from my checking account towards this agreement at which point the Customer Service Representative explained that remembering the payments and terms of the new agreement were consumer responsibility. She further stated that late/over the limit fees would continue to accrue until the completion of this program. I made many payments towards this account and noticed neither a decrease in balance nor reversal of accrues fees. I contacted Target Customer Service and spoke to a Representative who had no idea about my account being in any program and in fact stated that the account was now in collections. The representative stated that he was unable to discuss any information on my account and informed me to contact the collection agency. Ultimately, Target representatives claim no knowledge of this program nor any of the terms accompanying same. Target is also unable or unwilling to provide any documentation despite collecting numerous payments towards the completion of this program. It is my belief that this account was charged off outside of the Federal Regulations. The payment history on the account indicates that the account was not charged off until several month after the last noted payment. This is due to the payments I was making under this " program. '' Charged off Accounts are to be charged off after 180 days, yet Target did not charge this account off until several months beyond this 180 day benchmark. To that end, Target continued to accept payments towards this account rehab program and failed to account for same when charging the account off.