davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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. (GA)

There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from XX/XX/2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, XXXX
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XX/XX/2018 I set my Capital One card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Consumer complaint received 2019-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the credit bureaus about these debts they have put on my credit file. This has been a long road. When ever  I apply for anything I am never approved because for some reason I believe me and someone has the same social. Its extremely frustrating. I just would like all this inaccurate information removed
Consumer complaint received 2018-04-20
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. (CA)

I got an alert today ( XX/XX/XXXX ) from my Credit Monitoring ( XXXX  ) that there was activity on my credit file. I checked it to find several inquiries, one from XXXX ( XXXX ), one from XXXX XXXX XXXX ( XXXX ) and one from XXXX ( XXXX ). As a result of these inquiries, my credit score dropped XXXX points. 

I called the XXXX number at XXXX XXXX and the representative said someone had opened an account using my name and social security number but used a fraudulent address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ) which I had already called XXXX last month ( XX/XX/XXXX ) to dispute. The XXXX representative said he would close the account and that, as far as he could tell, no phone or usage was activated on the account. He gave me this website to file a complaint to have the inquiry removed off my credit report as he said that XXXX did not have a direct way to remove the inquiry themselves. 

I called the XXXX XXXX XXXX number who gave me XXXX  XXXX 's number ( XXXX ) in XXXX XXXX. When I called the dealership, the XXXX manager said that the application was ran on XX/XX/XXXX ( again, using the fraudulent address that had appeared on my credit report last month. The perpetrator had actually driven away with a {$100000.00} XXXX and that I had called at just the right time before the documentation went back up to XXXX XXXX XXXX for me to be held liable for it. The manager is in the process right now with the XXXX XXXX XXXX XXXX XXXX to recover the vehicle and told me that the dealership would remove the inquiries once a police report is filed.
Consumer complaint received 2018-12-07
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. (FL)

I disputed an account on my Experian credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. Experian said the account was verified so the account remained the same. I was comparing my XXXX  and Experian report on my XXXX XXXX account and i notice that Experian is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with Experian on line but Experian wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking Experian to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America gave me the worst banking experience I have ever had. I had an auto loan that I was trying to pay early. I was paying a car loan off in full. I submitted a payment of {$2100.00} ( 10 day payoff balance ) which they took out. They then took {$2100.00} ( principle balance ) from my account, which caused my checking to go negative, causing overdraft fees. They Charged me for the Principle balance of the loan, AND the 10-day payoff amount. I entered the 10 day pay off amount. You have to physically type the amount. Bank of America tried telling me that, I physically typed both amounts within 1 minute of each other. I would have never done this. I also have my internet history which proves I only went to the make a payment page once. I had to sit on hold for 4 hours one day for them to even recognize they double charged me. A supervisor called me back the next day, and placed me on a 2 hour hold.  Then said they would cut me a check for the {$2100.00} a MONTH later. The extra {$2100.00} they took out caused penalties, bad checks and embarrassment. These fees resulted in {$150.00}. BoA refused to pay them back. I keep my money in multiple checking accounts, that is why I didn't have enough to cover the extra charge. Worst customer service experience ever. I had to sit on the phone for 5-7 hours just for them to confirm that they took additional money from me.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (NY)

I opened up a dispute with the issuing bank of this credit card, which is TD Bank over the phone almost two months ago now. Their rep was clearly incompetent and did not submit it correctly or the bank chose to ignore my issue. I sincerely hope it was not the later because the response I received in regard to the dispute which was closed, not in my favor did not make sense, at all. It was all wrong. I am not even sure where they got the info from. They actually stated things that I did not claim. 
I called and was told that if I wanted to open the dispute, this time it had to be in writing, by mail. They made me print out the form, fill it out or attach a letter and send it in by mail. Why I am not sure. To make my life difficult? However, I complied. No response at all to date. Nothing is happening. Its about two weeks already since it was mailed and my account shows nothing. It does not show it is under any type of review or dispute, it shows I am responsible for the min payment which I should not be if under a dispute. I have no idea what this bank is doing. Consequently, I have also been disputing this with the vendor directly. I am not sitting idle while waiting for a dispute. I have reported them to the XXXX  and to the Attorney General as I am waiting for this bank 's response.
Consumer complaint received 2019-03-21
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. (CA)

XXXX and Transunion are incorrectly reporting me 120 days late on the XXXX - partial account number XXXX and XXXX  - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This negative reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX   with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2022-07-21
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. (NY)

I forwarded a letter to the Experian Credit Bureau dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (IN)

I do have credit card name XXXX under Continental Finance. I joined the XXXX XXXX for credit counselor in XXXX. The CF accepted our program for make payment plan for XXXX dollar every month. The Fee, Late Fee and High interent are suppose to removed it since I am in credit counselor program. The started payment in XX/XX/2018. Made payment XXXX dollar to CF every month since XXXX to now. They havent removed the fee, fee late and others since XXXX. They keep charged me on XXXX monthly fee, XXXX on late fee and high interent XXXX it is almost XXXX dollar from XXXX to now. My credit card balance last time is XXXX to joined the credit counslor last XXXX. Now my balance is XXXX during credit counselor program. Last XXXX, I asked them to removed fee and high interent. They said they need to get XXXX payment then will remove it but They didnt remove. They should removed it during XXXX. Also I got XXXX letter from " collection '' for CF warned me about pay. I told them that I am in program so They didnt listen.
Consumer complaint received 2018-12-07
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. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.
Consumer complaint received 2024-02-28
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. (PA)

On XX/XX/XXXX, i reached out to TransUnion and multiple companies that are reporting inquires on my consumer report directly to TransUnion, who still furnishes the information without my consent o knowledge. 

Transunion told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

XXXX XXXX, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and Transunion, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

I was issued a Best Buy XXXX card offered through Citi Bank in XXXX in order to receive a discount on a purchase of an item from Best Buy. I repaid the balance on the card was repaid before the first statement. XXXX XXXX erroneously charged the card for approximately {$210.00} on XX/XX/XXXX, which was later refunded on XX/XX/XXXX. I canceled the credit card account on XX/XX/XXXX, and received verbal confirmation that the account had been successfully canceled. On XX/XX/XXXX, Citibank charged {$3.00} of interest to the account, and each month since then they have imposed interest charges and late fees on that {$3.00} of interest, to the point that {$11.00} had accrued on the account, and also reported late payments such that my previous credit score of XXXX is now at XXXX as a result of these late payments being reported. I just learned that this account was accruing interest and late fees by phone call today, XX/XX/XXXX at around XXXX XXXX. I have received account statements since the interest started accruing, but I also have received dozens of emails from Best Buy and the credit card with promotional/advertising materials, which I do not read. 

I do not care about the {$11.00}, but I need recourse to fix my credit score. I also need 100 % confirmation that my account is now closed. I half suspect they will continue to charge me here.
Consumer complaint received 2018-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (OR)

I have worked in the public sector for over 15 years. I graduated from school in XX/XX/XXXX, and have been paying on my loans since then. In XX/XX/XXXX, I knew about loan forgiveness for public sector employees. I contacted my loan proceeded in XX/XX/XXXX and asked what I needed to do to qualify for the loan forgiveness. At that time, I was set up on an automatic withdrawal to pay the amount every month at about {$350.00}. I have not missed a payment since XX/XX/XXXX. In XX/XX/XXXX, my loan was taken over by Mohela. I left everything the same, even though my principle ( which had doubled to {$42000.00} ) was not decreasing. Today, I talked to Mohela about getting that loan forgiveness, and they told me that I was enrolled in extended payment ( with am expect repayment date in XX/XX/XXXX which is 35 years after taking our the loan ), and extended payment doesnt qualify for forgiveness. I have been paying on time for 9 years, with the principle of the lon not decreasing. When I talked to a supervisor about this, they told me they were sorry and that the extended loan repayment was to help consumers. How can they even try to say that? I will also be writing my senator and congress representative about their predatory practices. This is disgusting!
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Thomas Agency, Inc. (ME)

I had my credit report ran by XXXX XXXX in XXXX ME, they used XXXX, a Thomas Agency report was on there from a few years ago, it has been paid for years and I've been fighting to get this off of my credit report for some time now. I was able to get it removed from XXXX  and XXXX   now I just need it to be removed off of XXXX. I went to the Thomas Agency- nothing they could do for me to take it off, even though its paid and has been paid for years now. Called up the XXXX  company it was though- again nothing they could do to take it off. Contacted XXXX- They could take it off my credit report for a monthly subscription charge, at this point I'm furious, I just want it off my credit report, and I should not have to pay to do so, I hung up. I then contacted the CFPB talked with them about my day and experiences though the Thomas AgencyXXXX XXXX  company and XXXX   and he explained they should of just took it off without you paying a monthly fee, that's ridiculous! So here I am filing a complaint. We are trying to buy a house, that's why I m trying to get all my D. marks off of my credit report. Please help! Thank you.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am requesting a written letter indicated the amount of my security deposit for a secured credit card from Capitol One. This information is not available in my customer profile on the website. 

XX/XX/2018 I called customer service on XX/XX/2018 around XXXX and spoke with XXXX ( XXXX ). She indicated that there is nothing available to allow her to send me a letter indicating the balance. She also indicated that there was no one further that I could speak. 

XX/XX/2018 I sent a letter to Mr. XXXX XXXX President of Retail & Direct Banking Capital One Financial Corporation XXXX Capital One XXXX, XXXX, Virginia XXXX requesting a written verification of my deposit. 

XX/XX/2018 - I got a call from XXXX. from the executive offices who said he would investigate XX/XX/2018 XXXX confirmed that I would receive a verification letter in the next 7 to 10 days. 

XX/XX/2018 - I talked with XXXX who said the letter would be emailed. But I got disconnected while on hold. I called back and got another rep who transferred me to XXXX. XXXX said that I would receive the verification letter in 7 to 10 business days. 

As of XX/XX/2018 I have not received the verification of the amount of my security deposit.
Consumer complaint received 2018-12-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION (WI)

This loan was made in good faith, however I became ill and required surgery. I could not pay full amount of payments and was told that if I made " good faith '' payments then they would keep it off my credit report. The original amount was {$5000.00} ( XX/XX/XXXX ) and I have made good faith payments and they are showing my balance {$4600.00} ( XX/XX/XXXX ) and they reported this debt as a bad debt charge off to the credit agencies. I have filed dispute with all agencies. I did call, and the company re-signed a contract with me and I am making payments of {$520.00} a month. I have made payments but they still are showing this debt as a bad debt on my credit reports. They threatened to report this and no matter what I did to resolve the problem my credit is now tanked. My score today is XXXX. The company will not take this off of my credit reports.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX Has violating my rights 15 USC 1681 section 602 states that I have the right to privacy.

15 USc 1681 section 604 a section 2 Also states that a consuming reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I have filled out a financial hardship form and explained my situation with the company. I sent it via fax XX/XX/2018. On today XX/XX/2018 I got notification that Penfed pulled my credit report without my authorization. They are further damaging my credit by adding a hard inquiry. This company needs to be stopped. I do not want to be contacted by phone any longer as they call excessively.
Consumer complaint received 2018-12-07
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. (CA)

I have a loan with XXXX XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX  XXXX/XXXXwith no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30-59 days late.