davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am being cyber hacked/ attacked on all financial accounts and social media accounts.

My checking account is being breached through the financial accounts that have access to withdrawal Automatic Payments.

The money in my checking account is going missing and automatic payments are not being posted to accounts. Instead, all accounts are being manipulated with EXTREME fluctuating interest rates that are resulting in ridiculous FEES.

I have already reached out to the proper agencies and provide information on who may be causing there problems. 

My Bank of America checking account balance, according to a notification received today XX/XX/19 is - {$900.00}. Which is incorrect. I have reached out to the bank via telephone on various occasions to report this fraud. 

Since my last conversation with them, there should only have been 5 insufficient fund fees incurred ( each at a fee of {$35.00} ) which does not result in the account being overdrawn to - {$900.00}, since none of the payments were processed. 


I have written about my experience on XXXX. 
I have been unemployed for 17 months and this cyber hacker/stalker is also preventing me from finding employment.
Consumer complaint received 2019-09-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC (OH)

On XX/XX/XXXX I received a call from XXXX XXXX about a debt for someone that I don't know. Around XX/XX/XXXX I went to their website and requested to be removed since I am not the debtor. After I made this request, I got calls on XX/XX/XXXX, XX/XX/XXXX ( twice ) and XX/XX/XXXX. After the call on the XX/XX/XXXX I called and spoke with someone about being removed, at which point he admitted I was not in their system and that I should receive any more calls from them. Since then I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2019-09-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Management Recovery Corp. (NMRC) (TX)

I was called XX/XX/2019 from an attorney that if I wanted him to represent me because I was being sued which I didnt know about and I had to appear in court XX/XX/2019 at XXXX XXXX. I told him I wasnt aware of the court provided me with the name and number of the company that was suing me. I called them and this lady XXXX was really rude yelling at me she wanted me to pay almost 900 upfront so they wouldnt take no legal actions I said I dont have the money right now so she put me on hold supposedly talked to her manager in less than a minute and told me if u could pay XXXX every two weeks for three months and my debt would end I asked her what was the total she didnt answer me asked her if I could have a paper of the amount no so what can I do now? I did get scared so I paid XXXX  dollars today can you help me?
Consumer complaint received 2019-09-25
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: Experian Information Solutions Inc. (FL)

After doing several disputes with Experian, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX. Both Experian and XXXX failed to do an investigation before reporting false information. XXXX failed to respond several letters. The Reporting address on file is not and never was my address.XXXX XXXX XXXX XXXX XXXX Kentucky XXXX
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received a statement or invoice from a collection agency ( XXXX XXXX XXXX ) that they were trying to collect a debt from Huntington Bank for the amount of {$310.00}. I thought it was referring to my overdraft on my account especially when I looked at the dates and they were around the end of the month, XX/XX/XXXX. I thought that was rather swift to send my overdraft to collections before the month was even out. Just now I received a call from said collections agency referring to said debt. I was confused at first then upset because I believe things like this can destroy a person 's credit and I tend to think that they are disproportionately done to selected Groups of people. Do that keeps them paying higher interest rates or aid in denying them credit. 

Anyway I filed a claim a while back because for some reason they didn't close an account when I created a new account and when the following month came I had a balance of - {$5.00}. When I authorized them to transfer that amount to create a zero balance they decided to take {$320.00} instead because the next day there was a payment of {$300.00} that hit the account. After speaking with someone from the bank they they said they would correct the problem but the payment was already made. As a good faith effort the return some bank fees. Now here we are again and they are telling me I owe them money. Why does happen right when I apply for a loan for a car?? 

Maybe I'm not considered a good customer because I don't have thousands saved in the bank. 
I would be interested to know if this a common practice and do I need to get other agencies in to find out what is going on. All I know is that this can't continue.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Contacted " XXXX XXXX XXXX '' on CFPB and they seem to think that their late marks on my credit report are correct. They stated that they received my Bankruptcy notice in XX/XX/2017. I filed in XX/XX/2017 so the late marks are irrelevant. They need to remove them. They stated that I have to file a complaint with one of the 3 major credit bureaus.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I have a business account with a large bank outfit for 6 years in that time with daily deposits, the bank 's matrix has siphoned over {$18000.00} per year annually on average in un stoppable spiraling effect that know matter how many balloon payments I submit I always return to the same situation. It has been the only glitch on my efforts in business. I modify the expenses as much as I can and I never see it improving. This excessive charges have also resulted in numerous late fees in other areas of business due to the stress on the cash flow. I need help. I pay all expenses with cash with very little debt as of today. There is pending system they operate between XXXX and XXXX each day that allows them to play with my daily deposits and transactions. There is a great deal of statements to review If we are to move forward I will furnish them upon written request,
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United PanAm Financial Corp. (AZ)

I took out an auto loan with united auto credit. I filed a chapter XXXX bankruptcy on XX/XX/2019. The account was discharged in the  chapter XXXX on XX/XX/2019. They will not update the file. They keep listing the balance owed and as a charge off.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I had a fraud alert added to my personal credit report it was due to fall off/ be removed on XX/XX/XXXX. I contacted the XXXX XXXX to apply for a credit card and was told that the fraud alert was still there. I tried to reach out to customer service and cooperate and all I kept getting is the run-around there was no real person I could talk to
Consumer complaint received 2019-09-25
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. (FL)

The account and inquiries are not belong to me or any transactions made by me.Some one use my personal info and applied. Please remove as soon as you can all fraud info from my credit report.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The collection Company XXXX XXXX is reporting to the credit agency that they have an a collection account with me that was opened XX/XX/2018 for {$510.00}. I have personally contacted XXXX XXXX over the phone in order to settle the Debt, the issue is when I give them my information they are telling me that I do not owe them money. And that I have never had an account with them. But my credit report states that they are reporting I do owe them money for something.
Consumer complaint received 2019-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently talked to Transunion and told them that I noticed that there were hard inquiries on my report that I did not authorized and no one seem to help. The following hard inquiries that I did not authorize are : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am being foreclosed upon by Countrywide, Bank of America and XXXX XXXX XXXX. 

I filed a complaint, your file number # XXXX I learned today that I have to file a complaint individually of each institution. 

Not only am I being foreclosed on because I could not make payments from XX/XX/2018 until now, the loan balance is nearly triple the amount that it should be. I'm asking for a Reinstatement of my mortgage and can only consider new modifications at a significant lower mortgage principal loan amount. 

In addition, the mortgage Companies are trying to take my lot that I purchased along with the house. I did not Finance my lot with them. The Banks have no interest in my land Their actions of inflating my principal mortgage balance has and still causes me and my family unjustly harm. 

I purchased my home with 70 % down. They have flipped the ratio. 

It was purchased for my business, pay for my last child 's College education and retirement. It has greatly devastated and disrupted everything by them stealing my homes 's equity.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I authorized payment for my Chase Account on XX/XX/2019 for my Credit Card that is due on on XX/XX/2019 ( the day my account payment is due ). On XX/XX/2019 Chase Bank ignored the fact I set up a payment and instead autozied credit card payment using the automatic payment I had set up in case I forgot to pay my bill. Then two days later on XX/XX/2019 ( after my credit card statement was due, they authorized the payment I had scheduled on XX/XX/2019 this lead to my account with XXXX XXXX XXXX. 

We went in and got a refund from Chase bank, and XXXX XXXX refunded my overdraft. But I wanted to make someone aware that Chase bank withheld payment that I scheduled for my credit card until after my Due due.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2022, I applied for a Venture XXXX credit card from Capital One, and the card has a {$390.00} annual fee. Capital One instantly approved the credit card and the Venture XXXX card was sent to my home. The last XXXX digits of my credit card account number are # XXXX. 

On XX/XX/2022, I attempted to use the Venture X card overseas and the charge was rejected. About an hour later, I received an email stating We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. I contacted Capital One Fraud Department and they asked me to submit the following items : 1. Drivers License ( front and back ) 2. Social Security Card 3. Proof of residence ( bank statement, utility, etc. ) After submitting the requested information several times, I submitted a letter to Capital One informing them to either re-activate my credit card, or refund me the {$390.00} annual fee and close the account. 

On XX/XX/2022, I learned that Capital One permanently restricted by card, which means I can no longer use the card. I have requested Capital One to refund me the {$390.00} annual fee. Despite putting in numerous requests and escalating the matter, Capital One is refusing to refund the {$390.00} annual fee. 

I am requesting that Capital One refund the {$390.00} annual fee since Capital One took a decision to permanently restrict my account.
Consumer complaint received 2019-09-25
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: EQUIFAX, INC. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE CLOSED ACCOUNTS THAT ARE REPORTING AS DEROGATORIES AND DELINQUENTS. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, BECAUSE OF THIS IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

I have been on the phone for 25 minute trying to catch my mortgage up to date. I removed money from my 403 k plan to pay back past 6 months of missed. freedom mortgage is refusing to take the money and I had asked to fill out a modification several times in the past few months and they said no I can't because I'm behind. I also told them it takes about 30 days for my money to come from my retirement and the last time they had me request the wrong amount and than charged an enormous late fee. I took out extra this time but really need a modification I was out of work due to an injury late in the summer refereeing hockey game at my part time job. The lady at Freedom just refused to take the payment and told me I could only apply for a forebearance
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To whom it may concern : I have spoken with XXXX and the information that's showing up on my credit report is inaccurate. The customer service Rep. by the name of Ms. XXXX XXXX informed me that there were no Bankruptcy 's showing up on my file. So please have all three credit bureaus to remove this inaccurate information from my credit file this is indeed a violation of the ( FCRA ).
Consumer complaint received 2023-04-06
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)

All three credit bureaus are reporting inaccurate information and never had a result from a dispute it has been past two to seven years I have been disputing the same, and new stuff on my credit report, old stuff older than seven years still on my report dropping my score for no reason inquires from companies I have no clue about I have paid off accounts and none of the information is on my credit report reflecting good points I have paid on time on all the other accounts and my credit score is still low I didn't think you had to be in debt to get a good credit score I thought when you are in good standing with a company for paying on time and off debts what counts credit bureaus I feel hurt more then they help consumers I have tried over the last few years to make corrections and work on my credit but I am at a standstill as if the credit bureaus are hindering my chances to move forward to be able to get a better interest rate on loans for the ability to get a better home the abitlity to live a better life I feel it is unfair for companies to resale accounts that are more than 7 yrs old especially when a consumer apply for credit cards or loans there is insurance that cover the cards or loans just in case the consumer become ill or death occured but my argument is with the three credit bureaus low scoring, not disputing complaints long waits to talk to a human some unprofessional reps talking down to consumers the list goes on but it is consuming to be denied fairness for so long I shouldn't have to have a purse full of credit cards more than one car loan or too many personal loans to get a good credit score that is what put in debt they get overwhelmed to pay back and have health problems, divorce, XXXX etc ... because of being overwhelmed.
Consumer complaint received 2019-10-02
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)

I have had this issue with this company before, they are reporting a public record on my credit report that is not mine and I am having to submit a complaint to get assistance with removal of this inaccurate information. XXXX XXXX is the company that they normally use to verify public record data and I currently do not have anything reporting to my account. I would like for this to be corrected and the information removed from my credit reports immediately. This is the fourth time I have had to send in a complaint to CFPB and i would like this item removed asap. 


I am a victim of ID theft and I have provided proof to the bureaus previously.
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (CA)

A hard inquiry was made by XXXX  XXXX XXXX on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I have two XXXX Synchrony Bank credit accounts for which I have been making payments for the past four years and have noticed that the balance has not decreased or has increased and I have not made any purchases on the account. I initially thought it was the interest that I was being charged however upon discovery it appears that it was due to fees specifically a security fee of more than {$100.00} per month and my minimum payment is {$62.00}. I also noticed that my interest rate was 0 % so this fee was increasing the balance and causing the account balance not to decrease.
Consumer complaint received 2023-04-06
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please remove/delete this account because this is deleted from other bureaus. 
XXXX XXXX OF XXXX XXXX XXXX : {$130.00}.
Consumer complaint received 2019-10-02
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. (TX)

Equifax is incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.