davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

It has been a battle going through this and I am sending a complaint today to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : TRANSUNION : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-20
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. (FL)

I have contacted tarns union via letter, file 2 complain true this site, they refused to correct an error on my report file number XXXX report date XX/XX/2019 error Inquire XXXX XXXX XXXX XXXX XXXX TN XXXX requested XX/XX/2019 this inquire was never requested by me, I contacted teh company they gave me teh run around copies of recent report attach
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I bought a television and some equipment at Best Buy. They offer 24 month, no interest financing on a Citibank sponsored credit card. 

No where on the statement does it show the minimum payment needed to avoid finance charges. However, the statement shows a payment of {$2.00} less per month than the minimum payment avoid finance charges. 

If I were to pay {$2.00} less than the minimum for 24 months, it would trigger {$1600.00} of interest. In other words, an extra {$2.00} paid per month over 24 months, which is {$48.00}, saves {$1600.00} of charges. 

I don't know if this is a Best Buy practice, a Citi Group practice, or both, but it prays on the financially unsophisticated. I spent about 30 minutes on the phone with them to clarify what was a very deceptive statement. 

It should be mandatory to disclose the minimum payment necessary to fulfill the terms that were offered.
Consumer complaint received 2019-01-30
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. (TX)

Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do not belong to me.
Consumer complaint received 2022-05-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I tried to use the card 5 times, every one was declined and when I call they tell me that there is no reason for that to happen, the latest one was XX/XX/2022 at XXXX  for XXXX. And the topper is they processed my payment twice and have over XXXX dollars of my money I can not get to. 
Also I was locked out of my account, and when I called they could not figure out why. They can't seem to figure out much of anything, all I get is we are doing everything that we can.
Consumer complaint received 2017-09-26
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: Avid Acceptance, LLC (CO)

I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
Consumer complaint received 2015-07-02
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

Wells FargoMy husband is POA for his father who is in a rehab center and is XXXX. He had 3 CD 's due in the month of XXXX which we did not want renewed which where set up for auto renewal. 

XXXX XXXX or XXXX went to the branch and told them we did not want the auto renewal on them. Was told could not do that to the grace period which would start XXXX XXXX and XXXX XXXX. 
Not living in XXXX we returned home to XXXX 
XXXX XXXX call the number of the CD renewal and was told them not to renew. Was told it would be deposited into savings. Why it could not be just changed but waited. 
XXXX XXXX call branch bank and asked why not into savings. Told it takes 3 business days. 
XXXX XXXX called the number on the CD was told it was in process and would show up by Friday XXXX XXXX. 
XXXX XXXX called still not into savings. There shows nothing to stop renewing. Spoke to supervisor and said she will take care of it Monday. XXXX XXXX and call to confirm. 
Monday no call. Cal again on XXXX XXXX and another person would take care of it. But it takes XXXX business days. Well of the 3 CD 's only XXXX were done correctly. Again time on the phone and now with holiday maybe XXXX. 
No one should be put this this incompetent bank routine of infuriating customers and denying them there own money. 

This is {$150000.00} why should someone need to wait to get there own money and the process of stopping the renewal could not be done at anytime. Poor service and customer service. Incompetent
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Capital One card I did a cash advance for XXXX and have a purchase balance of XXXX .I paid XXXX towards my bill and called to pay off my cash advance they would not take my money asked to speak to a supervisor and they would not take my money. I'm getting charged twice on interest and was trying to pay my cash advance which was XXXX. They will charge me twice on interest until I pay my whole balance off how is this ok. With the Card act it says they can't deny me payment .They are Charging twice in interest what can I do is this legal..XXXX ( XXXX ) XXXX Thank You
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted to the Credit Bureaus requesting the correction of the disputed accounts reporting inaccurate information on my Credit File. I feel like the Credit Bureaus are not doing what they are ought to do. Under the Fair Credit reporting Act, the Credit Bureaus are required to investigate and correct any accounts and information that are reporting inaccurate information. For the last 6 months, I have been disputing for the correction of my Credit File, however, the Credit Bureaus have been ignoring my disputes by not responding to my Dispute letters. They surprise me by instantly reporting the disputed accounts as verified on my Credit File without properly sending me copies of proof of their investigation and verification. This action of the Credit Bureaus is a clear violation of my rights under the Fair Credit Reporting act. If the Credit Bureaus really did conducted an investigation, they should have sent me copies results of their investigation. As of now, I desire nothing more than just the correction of the following accounts on my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00}
Consumer complaint received 2023-10-03
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. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

I have a house mortgage with Arvest Central Mortgage. I have my escrow account with them as well. Now last year my house loan was sold by previous lender to Arvest Central Mortgage along with the escrow account. Now I would like to remove the escrow, so I reached out to Arvest and they are saying that I'll have to pay 0.25 % fees of outstanding principal amount. Which is very unusual, unfair, and not standard practice. Usually if the home owner has put 20 % down payment then usually I have never seen another bank/lender asking any fees for removing a escrow. Also, my previous lender told me that when you remove escrow you will not be charged any fees with this new Arvest Mortgage lender.
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TN)

XX/XX/2021 I closed my Citibank account and I have not been sent the remaining funds of that were in the account before it was closed. I have called every month for months until XX/XX/2021 & then I was informed that an employee who works at the XXXX XXXX, CA Citibank made a mobile deposit of the funds. I sent back the notarized affidavit by email on and they claim as of today XX/XX/2021 that they did not receive the affidavit and they closed my claim.
Consumer complaint received 2021-11-12
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. (FL)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2019-01-30
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: EQUIFAX, INC. (PA)

My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, XXXX  XXXX, Equifax XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (VA)

Our deed and mortgage was recently sold by XXXX XXXX to XXXX XXXX XXXX XXXX and is being managed by Selene Finance. Selene Finance conducted an assessment of our property and determined a Broker Pricing Opinion ( BPO ) of $ XXXX in mid-XXXX. A contract was submitted for XXXX based on the BPO and XXXX XXXX/Selene countered the contract for $ XXXX. Due to this unfair and unreasonable counter, the buyer cancelled the contract. We have been through the ringer for the past several months trying to work with XXXX XXXX/Selene on a short-sale to establish a " dignified exit '' and avoid foreclosure. They have created unfair and unreasonable roadblocks every step of the way to discourage buyers to back out. It can be perceived that these acts are being done intentionally with the goal of foreclosure. We currently have another ratified contract that has been submitted to XXXX XXXX/Selene for consideration in the amount of $ XXXX which is well within the BPO that they came up with. I am asking for your help to please investigate these unfair business practices and support the negotiation of a fair and just short-sale sale agreement. Please advise if you require any further information.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These inquiries on my credit report were not from me 1. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX 2. XXXX ( XXXX ) XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX ( XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX
Consumer complaint received 2022-05-19
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. (MA)

I created a police report today XX/XX/2022 which I have uploaded to this website to dispute a loan that is being reported as paid each month under my name. I learned about this loan under my name when I decided to log into XXXX and get a copy of my credit report. This doesnt make any sense and it should be removed from my credit report. I made an identity theft claim and I told the police that I do not know why this loan is being reported as paid under my name every month. The specific account that Im disputing with XXXX and the Consumer Protection Bureau is a loan called U.S. Dept of ED/XXXX in the amount of {$41000.00} and the account number is XXXX. This is suspicious activity and I want the police to investigate it. Why is this loan being reported as paid every month under my name when I dont even know what this is? I called XXXX this morning to confirm that I can upload a copy of the police report to the email that I received confirming that my claim is being investigated. Ive attached a copy of my passport, Social Security Card and a Bank statement with my Address on it. Please remove this loan of my credit report. I have proof that this is identity theft because why is this loan being reported as paid every month if I dont even know what it is? Alright, Im going to mail in these documents also so that you guys have a copy.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had XXXX  and was recently in the XXXX  unable to pay make my payment. I received two late fees in XXXX and XXXX I called to get them reversed because I am going through a hardship and the manager told me she would reverse two when I looked on my statement there was only one reversed I called them to ask them about the second fee and they refuse to reverse the fee.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These hard inquiries need to be removed from my TransUnion credit report, since I do not recognize them, and I believe they are fraudulent : XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone XXXX XXXX XXXX XXXX  Inquiry Type
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The Account has been restricted since XX/XX/XXXX. The bank deposited and withheld {$600.00} stimulus refund from consumer which was deposited on XX/XX/XXXX. XXXX is obligated by law to have those funds. When speaking with the IRS in regard to issuance, it was in fact informed that Capital One should have returned those funds to the IRS because the account was restricted upon deposit and they did not. When speaking with Capital One on today XX/XX/XXXX a representative by the name of XXXX informed consumer that she does not have authorization to those funds because of the account having a negative balance. However, on the opening message to consumers when calling Capital One it states that any stimulus, or child tax XXXX XXXX payments that are deposited into a restricted account are returned to the IRS. I am by law entitled to these funds.
Consumer complaint received 2022-05-19
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

CFPB Complaint No. XXXX was submitted and an NCA attachment was provided in response, however the response can not be accessed by the consumer. 

-- - I was notified by National Credit Adjusters , LLC that an owed balance of {$300.00} was placed in collections for a XXXX XXXX loan that is more than seven years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. It was not identified if these people own the debt or are a collection agency.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

And accordance with The Fair Credit act XXXX  account name and number has violated my right 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  15 USC 1681 section 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase a account without my written instructions
Consumer complaint received 2023-10-03
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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. (FL)

There has been a stream of accounts opened under my name and social security number. I did not recognize nor authorize any of these accounts that I have reported. 


XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the following inquiries are fraudulent ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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: NAVY FEDERAL CREDIT UNION (IL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.