davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called the TransUnion Credit Bureau after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/2022 ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports 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. This account is currently being coded as an I5. Please change the coding to I1. 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-12-30
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$3100.00}
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

We have been using USAA checking and other services for many years. In early XXXX, we had one instance in our checking account where we noticed that our checking account was in the negative. We thought we'd had an overdraft account with associated with this account, but it turns out we didn't. We immediately transferred in {$1000.00} to cover the deficit, but apparently it was too late. Soon thereafter, I tried to deposit my payroll check- USAA put around {$3000.00} of the check on hold for over a week. I was only able to access {$500.00} of my check. This has now happened about 4-5 times. Each time I can only access {$500.00} no matter how big the check is. 
This has caused problems for us how to wait a week before paying bills and during this time we had a vacation planned which caused a good deal of stress. Each time I have called customer service- twice they have been able to waive the hold. Customer service really has no ability to make a decision, it sounds like it's based on a computer algorithm. Please note, we are not chronic overdrawers- the overdraw was probably the first and only on our checking account in 15 years. I have asked to speak to managers and I'm usually not able to but once I spoke to the XXXX  of Customer Relations I believe and he made it sound like everything would get worked out but I never heard from him or anyone else afterward. 
We'd like to switch banks at this point, but we're very busy and it would be such a hassle with automatic payments and making sure everything is switched over because we'd also have to switch our auto insurance, home insurance, renters insurance, life insurance and more because all of our payments are going through USAA. 
I feel like our money is being held for ransom. If they held {$500.00} I can understand that, but to only allow us to use {$500.00} out of a {$3500.00} check is completely unreasonable. I hope something can be done to prevent USAA from doing this now and in the future.
Consumer complaint received 2023-07-01
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. (VA)

I am in the process of wanting to purchase an apartment and noticed I had damages on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report as it is defamation of my character.
Consumer complaint received 2022-11-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

My former complaint was not resolved due to incorrect information. The other person who is XXXX XXXX with the same exact name but the first name is spelled differently and we have the exact same birthday. Our info in the Equifax has her name, and her social on my credit report. Equifax only removed the address which was my address and left her social security. I have screen shots as evidence that this is not my credit report. They have made a big breach with that mistake.
Consumer complaint received 2019-04-16
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. (UT)

bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are Experian and XXXX saying the opposite?
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

This is a XXXX XXXX. medical bill I have inform HRRG to stop calling me and collect the XXXX XXXX information I called them today and told him to remove all that information off the credit report and the XXXX XXXX XXXX was going to email him with all that information for the XXXX XXXX
Consumer complaint received 2019-04-16
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: Bread Financial Holdings, Inc. (RI)

XXXX sent me defective merchandise. I made a rightful claim which XXXX refused without justification. They are now harassing me daily and ruining my credit for something that they did by not following the law. 

I have no intention of paying XXXX  for the defective merchandise.
Consumer complaint received 2022-11-17
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. (MI)

This XXXX is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2019-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (ME)

Hello, I have had a loan now for 6 years with XXXX XXXX. Purchased a used XXXX XXXX on XX/XX/XXXX. My credit was not perfect at the time, with an end goal to raise it as quickly as possible as Im a single mom. Numerous times, including today I have tried to resolve an ongoing issue with my balance expected and what Ive paid to this day XX/XX/XXXX. Total cash purchase price was XXXX, with a lease trade in. 
Paying now for 6 years @ $ XXXX/month would bring it to XXXX paid. XXXX XXXX is telling me my pay off is still {$15000.00}. 

Im looking for answers.
Consumer complaint received 2019-04-16
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 and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KS)

Transworld Systems Inc has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. InXX/XX/XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XX/XX/XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from Transworld Systems Inc contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from XXXX XXXX XXXX XXXX XXXX XXXX and it will take time, but I need to get this taken care of so I can move on.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (IL)

XX/XX/XXXX I had an account with XXXX XXXX back in XX/XX/XXXX. XXXX was the creditor for their credit card at the time. My limit was only XXXX. XXXX charged me some promotional financing Charges that I did not agree to and during the course of trying to fix it XXXX went bankrupt and XXXX XXXX took over.

XXXX XXXX turned the matter over to the Bureaus. The Bureaus turned it over to the XXXX XXXX XXXX XXXX XXXX XXXX. They went to court and got a judgement against me in XX/XX/XXXX. I didnt know of the court date. They are charging me 10 % on the dollar saying its the law. I have been making steady payments since XX/XX/XXXX. I offered to settle in XX/XX/XXXX for {$1500.00}. The countered with {$2100.00}. I could not pay that amount so I resumed my regular payments.

I called today, XX/XX/XXXX at XXXX to get my new payoff balance. I spoke with a XXXX XXXX who said my balance is {$3200.00}. This is criminal to me. I have paid already paid {$1700.00}. How can a {$2500.00} credit card bill now be almost {$5000.00} and rising. I understand fees and all but {$2000.00} in fees is not fair.

I will pay what I owe but the interest is unfair and I like to file a complaint. What can I do? I have attached some documentation that I have. I have requested a copy of the court order.
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: APG Financial Inc (UT)

I have attached the letter that I sent to this alleged creditor on XX/XX/2023 that was received by APG FINANCIAL, INC. on XX/XX/2023. With the exception of the CFPB complaint that was filed against the creditor on XX/XX/2023, I have yet to receive a response from from this creditor and its attorney, its officers for each and every communication I have sent. 

Please consider this my notice and request to provide me the following information : 1. Notice from APG FINANCIAL, INC. to me, the party whose credit record was subject to the negative credit report, that a negative credit report may be submitted to a credit reporting agency. 

2. Regarding the notice that was sent to me from XXXX XXXX XXXX in the name of APG FINANCIAL, XXXX on XX/XX/2023 I am requesting any and all documentation and communication relating to this alleged debt and the documents that show how APG got to the alleged deficiency balance. 

I am requesting a response within 21 days. I have included the correspondence exchanged with APG FINANCIAL , INC. and am seeking either the reiteration of the requested information or an explanation for the unavailability of any and all the information requested in the attached letter and this CFPB complaint.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

My Citi credit cards are associated with a thank you point reward account. In the mid XXXX in 2019. I suddenly found that more than XXXX points were missing. I had no idea what caused such a situation. So I called in thank you point customer service. While the representative was investigating the reason, I found out my reward account was disconnected by a couple of credit cards, which also contribute to my rewards points. I thought it might be IT glitch to lead the according points missing. I immediately report this condition to representative. But to my surprise, representative told me this is not IT glitch. He explained two credit cards were cancelled due to no inactivity. The associating points were expired after 50 days from cancellation of cards. I was shocked about this situation, since I did not notified by Citi about the cancellation. Even my Citi app still showed these two cards in my online account as normal. Thus, I explained I did not get any notification to show my cards were canceled and my points were expired. Representative told me he understood. He communicated with manger for my case. After a while, the representative told me his manger has taken care of it. He confirmed his manager guaranteed I can get back my points within 2-3 business days. I requested the representative to double check. He confirmed that I should receive my points firmly soon.

After a few business days, I still did not see my points were refunded. So I called in again. A manager XXXX in thank you points center received my call. However, he told me a different story and insisted that he can do noting about these points. He directly denied the guarantee and confirmation from previous manager and representative. I was so angry since XXXX just broke the guarantee made by Citi. That basically means the guarantee from a manager in such a large bank even did not count. It is ridiculous that a bank can say totally different solution to customer. A following manager XXXX also spoke with me and he repeated XXXX 's saying. He told me I will not get back my points.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has a hidden fees of their mortgage program which didn't show anywhere, including their mobile app / website / mortgage statements. At the same time, their mortgage auto payment product didn't charge my checking account for the amount due they claimed. Instead, BofA report a payment past due record which currently impacted my credit score significantly for over XXXX ( from XXXX to XXXX now ). I'm here to provide more information about my situation. Really need your help on this matter. 

Timeline : 1. I had a mortgage with Bank of America for the last few years. I had the auto payment setup which linked to my checking account of BOA as well. It went well for the last few years. And I try to pay my mortgage faster than the original schedule. 
XXXX. On XX/XX/2022, I checked my mortgage and saw there is only {$1500.00} remaining on its balance. Thus I manually payed this amount via Bank of America from checking account to mortgage account. The amount was deducted from checking account successfully. 
XXXX. Since XX/XX/2022, the last three statements of my mortgage shows the total amount due is {$0.00}. Attached please find those statements. 
XXXX. On XX/XX/2022, the above amount still didnt apply and I noticed that my credit score got negative impact significantly. Bank of America report a " past due ''. I checked with Bank of America via their customer support and was told that I need to pay {$140.00} additional fees to payoff the loan which was not showed anyway in app / website / statements. 
XXXX. On XX/XX/2022, I payed this amount via Bank of America from checking account to mortgage account. The mortgage got payoff and account got closed right after that. 

The problem is : ( XXXX ) if BOA need charge me those additional fees, why its system didn't charge via the auto payment which I always had enough balance. 
( XXXX ) Those additional fees didn't show anyway in their mobile app, website, even in mortgage statements? which I wouldn't know at all if I didn't noticed my credit score impacted. 
( XXXX ) I payed this mortgage way faster than the original schedule which caused a past due seems didnt make sense to me at all. 
( XXXX ) I contacted BOA and they refuse to accept that their product design is really confusing. The auto payment function didn't work properly. Their app/website/statements didn't give customer the right amount due information. 
( XXXX ) no alerts or messages at all.
Consumer complaint received 2019-04-16
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. (AZ)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXX XXXX