davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
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)

Due to a past identity theft my credit has been compromised and left me with scars. I have demanded physical documentation, however the major credit reporting agencies has relied on electronic Verification inwhich can not be deemed as proof. The following accounts does not belong to me and I'm demanding that they be removed. 

1 ) XXXX XXXX XXXX {$990.00} 2 ) XXXX XXXX XXXX XXXX {$310.00} 3 ) XXXX XXXX XXXX {$560.00} 4 ) XXXX XXXX {$230.00} 5 ) XXXX XXXX {$100.00} 6 ) XXXX XXXX XXXX {$51.00} 7 ) XXXX XXXX {$4700.00} 8 ) XXXX XXXX {$57.00} 9 ) XXXX XXXX XXXX {$550.00} 10 ) XXXX XXXX XXXX   {$300.00} 11 ) XXXX XXXX XXXX {$5200.00} 12 ) XXXX XXXX XXXX   {$5000.00}
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Via ATM, I deposited 2 checks on XX/XX/21 from XXXX XXXX for damage to my roof following Hurricane Ida. I didn't notice there was a co-payee ( XXXX, reverse mortg ). Capital One cashed checks but froze money. Since then, I've been speaking with Cap One, XXXX XXXX and XXXX, all to no avail. Cap One insists XXXX, as initial remitter ( 1 ) do a stop-payment ( checks already cashed, so no can do ), ( 2 ) do a reverse payment and recover the funds, or ( 3 ) XXXX can do hold harmless letter. I've spoken w/ people at XXXX and XXXX  and Cap One and haven't been able to get anybody to budge. I'm the correct recipient but I didn't see XXXX was co-payee. ( My bloody mistake!!! ) Nevertheless, I've tried to follow all suggestions and nothing has worked. Meantime, my money is sitting in the bank frozen, for more than a month. And my roof hasn't been touched. 

I made a mistake. Bet I'm not the only one. But the fallout from this mistake has been never-ending, energy-sapping and just unbearable. I imagine I'm not the only one who made this mistake. The fix for this mistake is onerous. In fact, that's too small a word. Life-sucking is more appropriate. 

The attached document gives all the particulars. I'm waiting just now to see if XXXX is willing to do a reverse payment to recover the funds. I don't understand why it's so complicated. I feel I'm being batted back and forth between powers greater than I.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (GA)

Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; 2. Furthermore, you GLOBAL LENDING failed to clearly & conspicuously disclose my right to rescind ; 3. I XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) ; 4. Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; 5. You also asked for a down payment of {$1000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; 6. Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate, and fails to provide information which he is required to disclose and in this case you GLOBAL LENDING willfully did when you failed to disclose and provide all information clearly to me a consumer. 

7. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately.
Consumer complaint received 2021-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

Hello, the year is XXXX  and I was a student in XXXX XXXX university  and from the beginning I felt that this was not the place I wanted to be. I was XXXX years old and just got out of high school with no knowledge on how the real world worked but because of reasons with family matter I was convinced to go here. When I went to XXXX XXXX university I was told that they had XXXX XXXX  classes that would teach me all that I needed to succeed and I believed them but I was very wrong. I asked them if other Students come here trying to do the same and when I was there none of them did. 3 days later after classes had started around XXXX, I asked one of my professors that teached XXXX transitioning to XXXX XXXX  ( which I believe is a professor to go when you need help to transition ) about my major and I remember to this day what she said and I quote " Do we even teach that here? '' from there on I had to get out. Another was the teachings, an example was XXXX XXXX and as a XXXX XXXX I was excited at first but when I was in class all they were teaching was how to use XXXX XXXX. I would Like to include that XXXX XXXX is not learning to use XXXX XXXX  and that includes XXXX XXXX, XXXX XXXX XXXX  software and the very next week I went to the office and told a the woman there that I wanted to drop out because I felt that this college is not for me and what I want to study for. So I told her what that professor said because it made me feel more lost than I already was and because I was so XXXX and XXXX XXXX I even cried in her office where there were people around but all she could say was something like don't drop out because what would all of your friends think when they see you are the only one not graduated. Even after telling her that this was not the college I wanted to be in she still insisted I stayed. I ended up wanting to drop out before it was too late but when I did there was nothing I could do since the time period had already past. My experience in this college can be described as a misfortune since they did not teach what I was looking for even though they told me they did and my hope was to at least learn similar things so that I could transfer my credits but that was not the case. At the time this college was more focused on other studies but not game design. I am in another university and from the very beginning they kept their promise and what they teach are so much more and as you can see it is not my incapability to not learn but what was being taught in that XXXX XXXX was not remotely close or what they taught was not in the major that was told to me from the beginning.
Consumer complaint received 2019-02-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (OH)

They have put this on my credit report despite it being discharged in my Chapter XXXX. They have never contacted us in writing.XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX
Consumer complaint received 2021-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

TransUnion XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.
Consumer complaint received 2021-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (NE)

Submitted a complaint a while ago and my statement was clearly twisted. " Your company ALLOWED '' someone to steal my money and make revisions to my account and transfer it out. This is the absolute only way it could of been taking is to be transferred via a dtcc or acat transfer. This large amount of XXXX could of not gone in one large batch. It would of required a medallion signature and occurred somewhere in XXXX Who ever stole it which I believe is the same person who did it in the past, probably switched the tax id number and name. Please check your records for large amounts that total XXXX  from a particular account. I would bet it is my account. XXXX XXXX and their fraud team will be able to search. 

Case XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Account Number ( last 4 digits ) : XXXX, XXXX, & XXXX CFPB Case Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX : I am writing you on behalf of FNBO, in response to your complaints submitted to the Consumer Financial Protection Bureau ( CFPB ) . We received the complaints on XX/XX/XXXX and XX/XX/XXXX. As we understand it, you expressed concern that you have been unable to locate your account and your assets with FNBO. You stated another individual was allowed access to steal {>= $1,000,000} from your account and then transferred the account to another financial institution. We appreciate you sharing your feedback with us and hope the information below will help to address your concerns. Our records show you have two open deposit accounts with FNBO, a sole owner checking account ending in XXXX and a savings account with XXXX XXXX XXXX listed as the minor account holder ending in XXXX. Your most recent account statements for your checking account and savings account are enclosed. The statements show your account balances as of the statement closing dates. You also had a checking account ending in XXXX that was closed on XX/XX/XXXX. That account had a zero balance since the close of your XX/XX/XXXX account statement ( enclosed ). You added a verbal password to your above-referenced open accounts on XX/XX/XXXX. For the security of your accounts, that password will be requested each time you call. Additionally, your accounts do not have an associated Power of Attorney ( POA ) on file as of the date of this letter. We searched our records and were unable to locate an account in your name or in XXXX name, containing the dollar amount referenced above. Thank you for giving us the opportunity to reply to your concerns. Sincerely, XXXX XXXX Office of the President, FNBO  XXXX Enclosures ( 3 ) CC : Consumer Financial Protection Bureau
Consumer complaint received 2021-08-25
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: CURO Intermediate Holdings (NV)

ON XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Curo XXXX XXXX unlawfully obtained my consumer report without my authorization or a permissible purpose. 
I have not initiated any transaction with Curo XXXX , XXXX. Also, I do not have an account with Curo XXXX, XXXX for review or collection. 
I sent Curo XXXX 3 Notarized Letter explaining their violation of my consumer rights which included a demand for a {$1000.00} settlement on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-12-15
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. (GA)

I filed a dispute with XXXX and Equifax and they failed to comply with the FCRA 605 B and the 4 day removal of fraudulent items on credit report. They verified a fraudulent account and that is against the FCRA. A fraudulent collection Account called : XXXX XXXX Opened : XX/XX/2019 for a balance of : {$720.00}. This account was disputed and XXXX and Equifax refused to remove this fraudulent item and the collection agency failed to remove it as well. Also, they are not reporting accurate information about me as well. I am going to file a lawsuit against the credit bureau and the collection agency if this account is not removed within 10 days. This is not right and you all are violating the law and committing fraud in so many ways. I will not tolerate it. Please remove this fraudulent item immediately! Thanking you in advance for your cooperation.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AR)

I had a XXXX internet account for my rental XXXX XXXX  property and closed the account during XXXX. After a few months, I received a credit alert from my credit monitoring company that a new account had been added by the collection company ( Radius Global solution LLC ) for the XXXX bill of {$130.00}. I did not receive any notification from XXXX or Radius Global directly to pay for this amount ; instead, I was shocked to see the collection amount in my credit report. I reached out to XXXX, asked them about this, and informed them that I did not receive any notification from the collection company regarding the pending payment. XXXX asked me to pay the amount, and they said they would remove it from the credit reporting. I paid the amount as well ; however, my credit report still shows the bill as collection, which is badly impacting my credit score. I reached out to both XXXX and Radius Global Solutions, and they acknowledged that the amount is paid ; however, they are not requesting the credit companies to remove the account from my credit report. Currently, my family is moving to XXXX XXXX ; we are buying a new home. Unfortunately, I am not approved for the mortgage loan due to the lower credit score caused by the collection. I have been penalized for no mistake from my end. 

As you can see from my credit report, I have never missed a single payment in my life so far, having an excellent track report and being a responsible US citizen. I need help here to support my family by buying a home. Thanks for considering my complaint.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to XXXX XXXX, Transunion LLC, and XXXX requesting information in which I have yet to receive a response. All are in violation of my rights as a federally protected consumer. I have been taken advantage of due to malpractice while several laws were being broken under the FCRA. This has caused me financial injury, as well as defamation of character. I have not had the ability to attain new employment, apply for credit, nor have I been able to apply for a XXXX loan due to the pandemic. Under this crisis you've hurt my ability to attain credit.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (PA)

i Was any debt that i owed so i kept recieving letters and phones calls that woul not stop after i told them to stop calling ill call back when i have time. the lady i spoke with told me i had to pay XXXX today in order to not have my credit impacted. then stated " this is lgoing to go on your credit report and there is nothing you can do '' o just have to pay. I do not even owe this company so it is now relecting on my credit and damaging my report and good name.
Consumer complaint received 2019-08-05
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. (LA)

On XX/XX/XXXX I requested Experian to investigate the XXXX XXXX XXXX account ( account number:XXXXXXXXXXXXXXX ). It is reporting an inaccurate late payment on XX/XX/XXXX. I received results from Experian saying the account was reporting accurate. According to the results I received from Experian, the account was last updated XX/XX/XXXX. This means Experian has never conducted an investigation for this account. 
This is a violation of the FCRA.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

I filed my taxes with XXXX XXXX and decided to receive my refund on an American Express serve card. I have had problem after problem with this card. I tried to go to a bank to take my money off of the card but it said not authorized. I tried to pay a bill but the company does not accept the card as man companies does not accept American Express. I called the company which is horrible to get anybody on the phone and was told I can take my money off the card at any XXXX location. I went to XXXX and was told the cards have not been allowing people to take their money off. The XXXX worker told me it works for some people but for some it I doesnt. I swiped my card and the transaction would not go through. After trying twice I then left and called the card company and was told my account was locked due to fraudulent activity for no reason. I had to wait on hold for an hour and a half for representative to get on the phone and ask two questions and unlock my card. This is by far the worst card I have ever had to deal with. I will never again use this card once my money is withdrawn and I wouldnt recommend it to anyone.
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (TX)

I just submitted a complaint # XXXX and it did not print out my statement and implied I wanted to be known as a veteran which is an untrue statement. I acknowledged it was true so there is no veteran affiliation to this complaint other than a VA employee committing bank fraud to cover up abuse on a va campus. XXXX XXXX and XXXX XXXX have family and personal ties in law enforcement who refuse to look into the fraud on my account and the bank has let them alter records and they committing violations of FDIC regulations on my account trying to or by closing it. Please refer to my original statement to clear this up.
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

Convergent outsourcing is reported I have an account opened with XXXX XXXX in XX/XX/21. This information is false. Any accounts Ive had in past years ( XXXX ) was closed in good standing. Have requested itemized documentation to their claims and they have failed to provide it. I have disputed for a second time as well. Any help to have them remove their false reporting on my credit report would be appreciated.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I used my Thank You Reward points to partially pay for four nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, New Mexico. The remaining balance due ( {$180.00} ) was charged to my Citibank Credit account on XX/XX/2021. We checked out early ( one night ) and the General Manager at the Hotel ( XXXX XXXX - XXXX ) agreed to refund us for one night ( {$100.00} ). Mr. XXXX stated that he could not credit my CitiBank Credit Card since I used rewards for the booking. Instead, he applied the {$100.00} credit to the CitiBank Reward Master Credit Card XXXX on XX/XX/2021. I contacted CitiBank on XX/XX/2021 and asked them how/when my credit card would be credited for the refund. They stated that they needed to contact the hotel directly to receive confirmation of the credit. They called me back on XX/XX/2021 and stated that they received confirmation of the credit by the XXXX  XXXX XXXX and that I would see the credit on my credit card in up to 3-billing cycles. I called Citibank on XX/XX/2021 to confirm that they were still planning on crediting my credit card since I didn't see any credit on my XXXX statement. The rep at Citibank stated that the credit would be applied on my XXXX billing statement. I received my XXXX billing statement today ( XX/XX/2021 ) and there is still no credit. I called Citibank again today and was placed on hold for XXXX minutes then I was disconnected. I called back, was placed on hold for XXXX hour and XXXX minutes and was disconnected. I finally got hold of somebody at Citibank and they stated that they needed to contact the hotel and receive confirmation that they applied the credit. I told Citibank that this was already done on XX/XX/2021 which they replied " they need to contact the hotel to receive confirmation that they applied the credit. '' Another representative at Citibank stated that it would be quicker to file a Billing Dispute for this matter. She then stated that it couldn't be done since more than 60 days elapsed from the time of the incident. I explained to her that I contacted Citibank the same day of the dispute ( XX/XX/2021 ) and that the 60 days ( system limitation ) should not apply. Her response was that there was nothing she could do and that I need to write a letter to the Billing Dispute Department. After 2 1/2 months of dealing with this issue, I have no confidence that CitiBank will ever provide me with a credit unless they are compelled by somebody of authority at the bank to provide me with my deserved credit. The lack of accountability, the lies and the fact that they would let me sit on hold for extended periods of time tells me that they have no desire to do the right thing and credit my account.