davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

SEE HERE IS THE ISSUE WITH YOUR HORRIBLE CREDIT BUREAUS. THEY ALL ARE OUT FOR MONEY? 
I THINK ITS XXXX SHAME HERE AT THIS NATIONAL CRISIS TIME TO BE ASKING PEOPLE TO PAY MONEY TO HAVE THEIR CREDIT FILES MONITORED. WHO IN THE XXXX CAN AFFORD TO DO THIS MONITORING MESS? Not to mention, this other Scam that XXXX  has going about the XXXX  your Credit Score? XXXX  run these fake advertisements telling consumers to list one of your major credit cards that shows that you pay your utilities with then XXXX  will so call XXXX  your credit scores up to 50 points. Total lie! I did the XXXX scam with XXXX  credit bureau to help try to get the extra credit XXXX  for my CREDIT score, It comes to find out this credit XXXX  thing with XXXX   was nothing but a fraud. After you register your credit card info with XXXX  credit bureau they send you a fake email saying theyre still trying to track your utility payments showing up on your credit card you registered with XXXX  so they can XXXX your credit score but XXXX   do no such thing! things like this is what your agency MUST stop these National Credit Bureaus from doing. Its a Crime! 
OK because its a total scam to get people to spend money with them. the more you spend with these fake lowlife credit bureaus then they will help you with your score. I dont think so! every consumer earns the right to their own score by working hard to pay their bills best they can especially during this horrible National crisis! 
I as a consumer CAN BARELY PAY RENT AND UTILITIES NOT EVEN FOOD OK SO SICK OF THIS! Why keep putting me through this UNNECESSARY STRESS. 
DONT YOU PEOPLE THINK WE CONSUMERS HAS BEEN THRU ENOUGH! STOP THIS MESS RIGHT NOW. TRANSUNION/XXXX   SHOULD HAVE NEVER ALLOWED THIS KIND OF THING TO HAPPEN WITHOUT CONTACT ME AS THE CONSUMER FIRST. WHY DO THESE CREDIT BUREAUS JUST GO AHEAD AND POST all kinds of crazy XXXX ON HARDWORKING CONSUMERS CREDIT FILES WHEN IN THE FIRST PLACE CREDIT BUREAUS HAS NO PROOF THAT THIS IS REALLY an ACCURATE DEBT? Consumers should be given the benefit of the doubthow do we know a fake creditor is plotting to try to extort money? I can understand that some consumers never even think about checking these kinds of mishapBUT I DO because I AM DESPERATELY TRYING HARD AD XXXX TO BETTER MY CREDIT SO I CAN START MY OWN BUSINESS. STOP ALLOWING THESE CREDITORS THAT I HAVE NO IDEA OF KNOWING SABATOSH MY CREDIT REPORTS! LOOK AT ALL OF THIS MESSI am finding on my credit reports. Please make this STOP!
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COLLECTIONS UNLIMITED OF TEXAS INC (MS)

I received a letter from Collections Unlimited dated XXXX with an attempt to collect a debt of {$170.00} that was discharged in bankruptcy on XXXX XXXX. The company then proceeded to place the account on my credit report. I sent them a certified letter asking can they remove it and they have not removed it as of XXXX.
Consumer complaint received 2022-10-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  XXXX Balance : {$280.00} ; XXXX  XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (TX)

Ive contact the credit card company back in XX/XX/2020. Ive ask them to close my account several time because it was an old account. I stated that needed to clean my account because i was purchasing a home and needed fix my credit. They stated that they will send me a letter with a response about my account and could not help me at that time. Months later when i look at my credit score the only account i see that is delinquent and still no closed it this one which has rendered my credit and my plans of home buying. Ive never owed them anything and kept adding charges to this account. Which has really butchered my credit for no reason.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX around XXXX i was told by a custmer service rep from citi Bank that i would be able to recieve the remaining balance in my accounts 1 account totaling XXXX and another account with {$40.00}, when i arrived at the branch i was told that the fraud department has decided my money was fraudulant, i was also asked by employee XXXX XXXX who was XXXX baby i told her that was my display name on my XXXX  account and that i transfer money between my accounts. 

My problem is that the money in my account isnt fraudulant, i had recieved to direct deposit that caused my account to be flagged, but prior to that i had money in the account, my account was blocked on put on hold the begining of XX/XX/XXXX, during this time i had sent transferred money from my XXXX  to my bank which i can prove that my money in the XXXX came from me my XXXX  tag is XXXX XXXX  which is my govenment name, i also recieved a state deposit XX/XX/XXXX {$2500.00} that i had sitting in acct ending XXXX i recieved my direct deposit from the federal govt XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$910.00}, between those dates i also sent money from my cashapp numerous time labeled XXXX XXXX XXXX*cash out as a XXXX  of XXXX  XXXX i keep my money in more than XXXX place i even have money hidden in a coffee pot in my kitchen incase i cant reach my bank cards, all this money in my account is being held {$8200.00} is alot of money to be holding with doing deep investigation, if the bank felt my activity was fraud related then all the money from the transfer should have been returned to its sender which in my case the money would have returned back to my XXXX. 

i reached out to cashapp they said " if money was sent to a closed aqccount the bank will hold the money, reach out to the bank '' which i have. 
i have attached a copy of my XXXX  info showing my XXXX   display name is XXXX baby but the account belongs to me and the address on file with my XXXX is my previous address with the bank my address changed because i moved from a dv shelter to a new home. i also attached my citibank statement to show my activity of my transfer and on my account. 

the bank only allowed my to recieve XXXX since my account has been closed they owe me money, im running out of food and rent is due im working part time i need help someone to listen to me im not a bad person i made one mitake by allowing someone to deposit money in my account which toataled XXXX those deposit have been returned but my money is still being held, if its fraudlant return it to its sender the state, the federal govt, XXXX  and they will rightful give me my money back.
Consumer complaint received 2019-10-09
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: SYNCHRONY FINANCIAL (WA)

XX/XX/2018 XXXX XXXX, IL XXXX ( XXXX ) XXXX No open account, did not apply, did not allow information XX/XX/2018 XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information XX/XX/2018 XX/XX/2018 XX/XX/2018 XXXX XXXX, TX XXXX ( XXXX ) XXXX no open account, did not apply, did not allow information
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (ID)

I have 6 Promotional balances ( 0 % ) with Wells Fargo. The balances are due at varying times starting XX/XX/2020. 
I am paying large payments to pay off each separate balance before it is due, but they are spreading out the payment a little to each balance. 
I called them and spoke to 3 people. They said the payment first covers the minimum due and then is applied equally to all balances, not the one that is due earliest. One rep told me that they apply the payment to the balance with the most risk, which would be the one due the soonest, right? 
The only thing stated in the offer close to regarding this is this : Your minimum payments will be applied first to lower APR balances before higher ones. ( mine are all 0 % ) Payments in excess of the minimum payment will generally be applied to balances with higher APR 's first. 
This must be illegal, to not pay off my balance that is due the soonest.
Consumer complaint received 2023-03-20
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)

In accordance with the Fair Credit Reporting act XXXX Account # listed below, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to provacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have the following accounts reporting inaccuracies : 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 

Hard Inquires XXXX. XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX. XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX. XXXX XXXX Inquired XXXX XX/XX/2022
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

please make sure that I definitely want to sue the TD BANK BANK XXXX IN XXXX XXXX IN NEW YORK for flagging my account for no apparent reasoen an freezing my account too. the name of their supervisor id XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC (NC)

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2019-02-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

On XX/XX/XXXX I got a title loan from XXXX aka ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX  {$1200.00} ( including {$33.00} Lien Filing Fee ). On XX/XX/XXXX I paid back the {$1200.00} principal plus {$90.00} on the XXXX  app which I believed was more than enough to cover the interest on a 6 day loan for less than {$1300.00}. After my payment is said I still owed {$220.00} due by XX/XX/XXXX. That would be a total of {$310.00} interest on a loan for less than {$1300.00}. That is more than 24 % interest for a 6 day loan on {$1200.00}. Is this legal? If not, how do I get what is fair paid back to me?
Consumer complaint received 2019-06-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I created a XXXX account in XX/XX/2019. My first mortgage payment was supposed to be paid on XX/XX/2019. I set up auto pay and per their instructions, I paid the first payment manually as it would take about a month for auto pay to be completed. My first payment was taken out of my bank account on XX/XX/2019. A second payment was taken from my bank account on XX/XX/2019. I never authorized the second payment to be taken from my account. I created a ticket within their application on XX/XX/XXXX when i noticed the second payment that was processed. I created another ticket on XX/XX/2019 again as I had not heard anything back from the company. I also tried to call the company but received no answer. I contacted my bank XX/XX/2019 for a refund for the unauthorized payment as it has caused me financial hardship.
Consumer complaint received 2020-02-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

Sometime in XX/XX/2020 I recieved an advertising from Calibur Home Loans to refinance my VA loan because of some special from the Govt. I finally contacted them and spoke to a XXXX XXXX from Calibur Home Loans. Gave her all the information they requested, including my social. I advised Ms XXXX that my present rate was 3.75 %. I assumed everything was in order and we were ready to get the loan. The next day she informed me that the VA required that the interst rate had to be 5 % lower then 3.75 in order for me to get the loan. On XX/XX/2020 I recieved a packet from Ms XXXX. When I opened the package, and reading the letterhead i assumed they were going to help me because in one of the paragraphs it tells me if I intend to move forward with the loan I needed to sign the disclosures and to return them at my earliest convenience. I then began to check the application itself. In the application it shows that they are offering me a 2.875 % rate for a {$290000.00} loan. I had assumed the interest rate when down and they were offering me the loan. I immediatly called Ms XXXX and asked her about the package sent me. she then advised she was looking up my information. I then told her about the 2.875 interest rate that was printed on my application by them. She then advised me she would call me back after she spoke with her manager. She never called back and I finally called her back and she said that her manager said I did not lock this interest date before 60 days. I explained to her that is not what the paperwork says in my application. the letterhead was dated XX/XX/2020, In the multi-state interest rate lock/float someone checked the box that says I do not want interest rate lock in at this time. This same form is dated XX/XX/2020 not even 30 days and how could I have checked this box when I just recieved this packet on XX/XX/2020. Somehting is wrong. Ms XXXX at first stated that the VA would not honor the loan because it would not help me much. A 2.875 % loan would help me a lot from 3.75 interest.She was not being truthful on the VA response. They reached out to me. I have proof that they were going to give me a 2.875 interest rate loan. I thought Calibur helps Veterans. they sent me an agreement and did not honor it. A 2.875 % loan. Maybe because I am retired and a senior citizen and worried about their loan. The United States Govt. honors our loans. I passed everything, credit check, financial check and whatever else they required. Now they are saying they can not honor this contract because the offer was over 60 days. I tried so hard to reach out to Calibur CEO, XXXX XXXX, but kept on getting the run around. I wanted to try and resolve my issue before taking further steps,
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have cancelled my MasterCard account with Fifth Third Bank since they continue to send me promotional checks tied to the account which I never use or want. I cancelled my account XX/XX/2019 and it took 20 minutes on the phone to do so.

Now, over one month later, I get more of the promo checks in the mail despite the account having been closed ( or I was told so ).

I am now over 20 minutes on the phone with them again and no one can tell me what is going on.

It shouldn't be this hard to close an account and once I have done so I shouldn't get promo checks over one month later. 
I don't trust them to properly close the account and stop mailing checks which I would be responsible for.
Consumer complaint received 2023-06-13
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. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

It is pretty much impossible to dispute a wrong information in Experian credit file. My date of birth is incorrect in my experian credit report. I submitted the dispute and reported the problem and today the result of the dispute did nothing. 

I would love to know what is the point of having the ability to dispute something if there no resolution to the issue. Extremely frustrated. According to investigation Experian went through, I was born in a different year lol. Such a incompetent company. 

As simple as verify my information in one of the other 2 bureaus and they could quickly realize of the mistake, but instead they decided to do nothing about it. 

The best thing, good luck if you try to talk to a representative over the phone, literally impossible since their customer service number ( at least the one published ) will only let you talk to a robot with no possible way to have access to a human representative. 

My question is, how do we get this fixed Experian? Should I give up and leave the wrong year of birth on my credit report? 

Please do your job and get my year of birth fixed.
Consumer complaint received 2017-05-26
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. (TN)

Information  and referenced documentation was disputed with   XXXX   in   XXXX    2017  and It has been more than 30 days since the intital submission. The disputed information was regarding the     XXXX   XXXX   XXXX     and  XXXX  loans. Information was provided showing an open real estate account with  XXXX  that was not included on the report .   XXXX   XXXX   XXXX   continued to report negativ e pay history while I was in an active Chapter  XXXX  bankruptcy.  XXXX  was asked to remove all negative pay history reported by creditors while I was in active bankruptcy status.  Currently   XXXX  is not showing active and that current payments are being made. Negative pay history reported during the time I was under bankruptcy should not be on my report according to the fair debt collection practices act
Consumer complaint received 2019-05-28
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. (IL)

On XX/XX/2019 I received a copy of my credit report that shows 5 different listings of loan balances from Dept of Ed/ XXXX on all the credit bureaus with the following amounts listed : {$37000.00}, {$2000.00}, {$2100.00}, {$1400.00} and {$4300.00}. I have no knowledge of theses accounts as they do not belong to me. I sent in disputes and received a packet dates XXXX with prommissary notes enclosed with 4 different signatures thats not mines. I'm requested Dept of Ed/XXXX removed ALL Listings from my XXXX, XXXX and Equifax credit files.
Consumer complaint received 2019-08-28
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: Exeter Finance, LLC. (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.