davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writtining You to dispute old accounts on my credit report. 
By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ).
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I previously filed a complaint with you ( XXXX ) and the bank resolved it and removed the interest that was on the account inaccurately. It is for Account # XXXX XXXX XXXX XXXX. 

Since it took more than the one statement period for them to remove that inaccurate interest, I am now being charged {$14.00} interest on that inaccurate interest balance. 

I tried to resolve it and the same outcome as last time, the rep just said that since there was a balance ( even though inaccurate ) at the end of the statment period I am responsible. I am not responsible for inaccurate interest. 

If you need more to attach all of the statements again or a copy of the previous complaint that was resolved, let me know. This was BoA 's previous response showing I didnt owe the balance. 

Company 's Response On XX/XX/2019, we spoke with Ms. XXXX regarding her complaint. During our conversation, Ms. XXXX, advised us that she went online and confirmed that her account had a XXXX balance. I advised her that I was contacting her to confirm she was aware that the Interest Charges had been adjusted and her account had a XXXX balance. We explained to Ms. XXXX that the service she received had been elevated to the appropriate level of management to ensure we continue to uphold our high standard of excellence. Interest Charges accrue daily on the balance until the payment is received in full. At the time the previous monthly billing cycle closed, Interest Charges through that date were included based on the previous unpaid balance. The XX/XX/2019 monthly billing statement reflects all the Interest Charges accrued from XX/XX/2019, through XX/XX/2019, which was the date the payment was received. 
MONETARY RELIEF AMOUNT {$440.00} Thank you, XXXX XXXX
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In early XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} ) and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and TransUnion and XXXX  are refusing to remove them. XXXX is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.
Consumer complaint received 2019-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AL)

XXXX XXXX XXXX -- WITHOUT MY KNOWLEDGE or consent XXXX XXXX XXXX, apparently opened a PayPal line of credit in the amount of {$11000.00}, in my name, on XX/XX/XXXX. I was NEVER TOLD ABOUT THIS account being opened in my name in XXXX. 

PAYPAL - My first KNOWLEDGE of this account was on XX/XX/XXXX when PayPal collections department contacted my wife, trying to collect a debt amount of {$6600.00}. Supposedly, on XX/XX/XXXX XXXX XXXX  XXXX charged / received money from PayPal for an upgrade on our timeshare in the amount of {$5600.00} DONE WITHOUT my KNOWLEDGE or CONSENT for this transaction. My wife was told that they had mailed payment notices to me, which I never received. She figured out that the address on the account is an invalid mailing address ( no postal service to said address ). I requested, in writing, 1 ) to have the address changed 2 ) to be provided with written proof that I had a PayPal Line of credit 3 ) How much had been charged to or payment made from the account, to whom & when. To date, I have had NO response from PayPal. 

SYNCHRONY BANK - On XX/XX/XXXX my wife was contacted by Synchrony Bank stating that PayPal has given them this account for collections. Synchrony Bank is calling both myself & my wife 7 days a week, multiple times a day, before XXXX XXXX  & as late as XXXX XXXX.
Consumer complaint received 2019-05-03
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 120  days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 7 19 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Related cfpb Case # XXXX Office of Controller of Currency Case XXXX Wells Fargo latest response dated XX/XX/XXXX, clearly shows their error yet they don't notice they made said error. 

1 ) Exhibit 1 : Letter XXXX : Page 1 last paragraph, 2nd to last last sentence clearly defines Wells Faro error : " We confirmed all documents match for vesting as indicated on the Uniform Residential Loan Application that was completed '' 2 ) Exhibit 2 : Uniform Residential Loan Application : Top Section 2nd to last line : Left Box : Title will be held in what Name ( s ) : XXXX XXXX and XXXX XXXX Next box : Manner in which Title will be held : Joint Tenancy XXXX XXXX signed said Document XX/XX/XXXX XXXX XXXX signed on XX/XX/XXXX XXXX ) Exhibit 3 Original Vesting was Joint Tenancy per Reconveyance. 

Problem : Wells Fargo put vesting of Title ( Grant Deed ) as Tenant in Common Wells Fargo changed Tenancy and after Parents died XX/XX/XXXX I discovered said error so I a XXXX personI no longer owned my home. ( Documents were sent to Wells Fargo not me ) See PDF called : Granted What should be in Grant Deed they say they don't create yet they caused the issue to change it to Tenancy in Common v Joint Tenancy as Wells Fargo previously citified on Exhibit 3, yet was in Uniform Residential Agreement.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also Equifax and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and Transunion are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.
Consumer complaint received 2019-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems has not provided requested information. I contacted National Credit Systems via certified mail RR XXXX XXXX XXXX XXXX XXXX and they did not respond. 
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

Discover is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

I the consumer have never given explicit written consent for Discover to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished.

I demand Discover cease and desist pursuant to federal law 15 usc 1692c ( c ). Discover is in violation if the account is continuing to report on my consumer reports and Discover does not have permissible purpose to report this account pursuant to 15 usc 1681b.

Immediately remove from all consumer reports DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian is once again doing illegal things. I have sent them two certified letters with DL, social security card and two utility bills and i have requested that they remove an illegal security freeze that they fraudulently put on my credit report and they are refusing to remove it. I did not request it be put on these guys just did it to hurt me and to get me denied credit. also XXXX and XXXX are also doing the same thing. Putting illegal security freeezes in my file and not reporting removing it. These jerks are just playing with my credit file and they need to be investigated.
Consumer complaint received 2024-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (CA)

Original price {$17000.00} ... charging me XXXX XXXX interest which currently I've paid over {$44000.00} and they say I still owe XXXX  more payments at {$610.00} per month! On time and most early payments ... my monthly payments were {$510.00} in beginning then went to {$610.00} per month for over XXXX years now ... I feel that they have violated my consumer rights and illegally inflated fees and fraudulent excuses... they are so deceitful in their business practices with me and I want an investigation into my account and full and transparent accountability of all inflated and I'm sure fraudulent charges. They have deceived me and have collected more than {$44000.00} from me for a XXXXXXXX XXXX  car costing {$17000.00} and they still insist I owe XXXX more payments! This ( my loan ) has to be one of the worst cases ever and needs to be seriously investigated. I'm disappointed that after I submitted XXXX previous complaints to you that absolutely nothing has been done regarding the money that has been illegally obtained from me due to blatant and deliberate deceit to the consumer, me! If you take no real action this 3rd attempt to file a serious complaint against American Credit Acceptance I will make it known through social media and via contacting the various media outlets to get an investigation and legal action taken to rectify and reimburse my funds obtained fraudulently.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019 I received information via text from Capital One concerning some fraudulent charges. Ive had so many unaurthorize charge on my account so reached out to XXXX to resolve it but nothing happened. Several calls has been made to the bank to recover my fees but I was given no answer. I've had an account with Capital One for about 4 months now and I've received so many fees with has caused my account to go negative ... I valued being a customer but I dont like to give away money and because of that I've fallen behind on all of my bills. I have so many fees on my account and I know that its a bank error. I recently received a text from Capital One concerning a fraudulent charge in result someone had stolen my card so i followed up with them to resolve my account but i was left with paying all of those fraudulent charges ...
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.
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. (WA)

I disputed this charge off on my credit report through all the credit bureaus and it has remained on my credit report but they haven't verified the debt. XXXX XXXX XXXX Charged off : XX/XX/2023 Balance : {$5900.00}
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 — Account status incorrect
Company: EQUIFAX, INC. (MI)

I filed a dispute about three derogatory remarks from a closed account from XXXX. For example XXXX XXXX reported a late payment which is inaccurate and has been allowed to report a late payment from XXXX to my report each month dropping my credit score each month. My credit scores is dropping around XXXX point a month due to inaccurately reported information. Most recently on XX/XX/XXXX my score dropped XXXX points due to a closed account reporting the same late payment from XXXX, but reporting it each month.
Consumer complaint received 2019-05-03
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: Bread Financial Holdings, Inc. (GA)

XXXX/XXXX obtained a copy of my credit report without my permission on XX/XX/2018. I did not authorize this, and the inquiry needs to be removed immediately!
Consumer complaint received 2022-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I RECEIVED A CALL FROM XXXX XXXX XXXX XXXX ( XXXX ) ON BEHALF OF FIFTH THIRD BANK REGARDING DEBT WELL OVER 10 YEARS OLD.THE CASE MANAGERS WERE RUDE, ARGUMENTATIVE, INSULITING, AND USED A BULLYING TACT TO TRY AND GET WHAT THEY WANTED. I WAS TOLD GET A JOB AND PAY YOUR BILLS ; I WAS ASKED DO YOU EVEN KNOW HOW TO SPELL COMMUNICATIONS? I WAS TOLD WERE GOING TO CONTACT YOUR EMPLOYER! MY KIDS AND THIER SCHOOLING WAS ALSO MADE FUN OF! I HAVE RECORDED THESE CALLS. FEDERAL LAW HAS BEEN VIOLATED, MY HUMAN RIGHTS HAVE BEEN VIOLATED, THIS IS A FORM OF HARASSMENT AND BULLYING AND I WONT TOLERATE IT. FIFTH THIRD BANK SOLD MY DEBT TO A COLLECTION AGECNY THAT HAS MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH THIS IS UNACCEPTABLE AND A VIOLATION OF MY RIGHTS! THEY EVEN WENT THE EXTRA MILE TO SPELL OUT PAY YOUR BILLS! I DEMAND JUSTICE!
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I opened a credit card account with Capital One and they sold it to another company by the name of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX never contacted me and never sent me a certified letter saying that they were going to take me to court. They went to court, where I was not notified again, and sent out a judgement against me to garnish 25 % of my check each pay period for the amount of XXXX. On XX/XX/2019 I tried to resolve it with Capital One and XXXX XXXX XXXX and was told, by XXXX XXXX of XXXX XXXX, that my only two options were that I had to either pay it all in full or they were still going to garnish my checks. I feel like we could have came to an agreement of how I was going to pay off this balance only if someone would have contacted me. 

XXXX XXXX- ( XXXX ) XXXX XXXX