davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (TX)

I was contacted by TRS RECOVERY SERVICES in XXXX XXXX, Texas with a " notice of unpaid electronic transfer '' relating to check XXXX. I wrote check XXXX on XXXX2011 to XXXX XXXX, the tax collector, for titling a car I had just bought at that time. I still have the check registry. The amount trs is claiming is {$1200.00}. the actual check was for {$180.00} ... Again, to XXXX XXXX  TRS says they, or their parent company telecheck, bought the debt from tractor supply company who I had never heard from and never heard of. TRS sent me their letter on XXXX and threatened to send my debt to a professional debt collection company, which it appears they are anyway.
Consumer complaint received 2022-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank attempts to call me about five times a day, bugging me at work, lying to me about a payment plan I completed and not offering to help the debt relief. Those were three XXXX XXXX monthly payments to get the account current, waiving late fees. The late fees did not get waived and now the account is not current, they're lying about waiving the late fees, and they're not providing any help.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Money was stolen from me. A judge ruled I do " NOT owe it '', het several groups are reporting men delinquent on my credit report. 

Here is some proof : XX/XX/2019 Guide to the XXXX XXXX XXXX, Student Loan Forgiveness & Debt Discharges https : //XXXX/ ====== https : XXXX ============= https : XXXX? XXXX & XXXX In addition my CPA wrote the following letter : XX/XX/19 TransUnion Corporation Consumer Disclosure Center XXXX XXXX  XXXX XXXX, PA XXXX To whom it may concern, I am a XXXX. While in SC on vacation my services were retained by XXXX XXXX regarding his credit report issued by your firm. 
On XX/XX/2019 I mailed the attached letter to your company. I mailed the letters on XXXX   behalf in order to testify under oath in a court that your company was indeed mailed a request. 
Upon receipt of XXXX XXXX credit report a letter was also mailed to Transunion ( again by me ) disputing each of the below listed negative items. To date Transunion has passed the timeframe allowed by the FCRA and Transunion IS REQUIRED BY THE FCRA to remove these negative items. 
Having received your credit report, XXXX XXXX also wrote to each of the below companies disputing negative items, and again, I mailed these in order that I might testify as an expert witness should there be aby questions about the letters mailed and the FCRA timeframe for a response. 
To date, NONE of the below companies have responded in any manner to XXXX XXXX and have thus violated the FCRA ( Fair Credit Reporting Act ). XXXX XXXX will be taking legal action against each company for THEIR failure to follow the FCRA. Should Transunion not delete the negative items XXXX disputed with TransUnion I am certain XXXX will probably also take legal action against TransUnion. 
These are the reporting agencies that may report on YOUR credit report for XXXX XXXX : 1. XXXX XXXX XXXX XXXX Some of the Account # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 2. XXXX XXXX - Some of the Account # : XXXX 3. XXXX  XXXX - Some of the Account # : XXXX, XXXX 4. XXXX XXXX XXXX - Some of the Account # : XXXX, XXXX, 5. XXXX XXXX XXXX XXXX - Some of the Account # : XXXX, XXXX 6. XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XXXX You may respond to my letter as follows : Mr. XXXX XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Sc XXXX I STRONGLY suggest you delete any of the above referenced companies on the credit report of XXXX XXXX and provide XXXX XXXX with a copy of his annual report which does not show any of the false and negative information. These companies have been contacted by my mailing them dispute letters. I am notifying you I will testify as an expert witness in court against your firm and the fact that you broke the FCRA should XXXX XXXX hire me to do so. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-03-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (CA)

Marcus by Goldman Sachs are verifying my identity with a vendor who uses public and private information. They are declining me when verifying my identity. They are REFUSING to disclose which agency or contact they are using and are refusing to take other efforts to verify my identity.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (KS)

UMB BANK took {$500.00} out of my account XX/XX/, 2021 because they accepted a fraudulent check. They are responsible for the fraudulent check in that they cut the check and did not follow procedures when accepting the check for payment. Since then they have agreed to credit my account the {$500.00} a number of times but have never done so. 

They have lied numerous times to me that they are going to redeposit the {$500.00}. 

They have blocked me from their phone system and will not return my calls.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I did not authorize any of these inquires on my credit report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENOVA INTERNATIONAL, INC. (GA)

I just received an email stating, I was declined for a loan. I DID NOT APPLY FOR A LOAN!!! And I don't need ANYTHING NEGATIVE listed on my credit history and reports.
Consumer complaint received 2021-10-22
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. (TX)

I called and notified Equifax by phone that I had inquiries on my credit report because I believed to be fraudulent and they've sent me back their dispute findings were verified but I did not get any verification of how it was verified or something very very my signature authorizing someone to in view my credit these are fraudulent inquiries on my credit report and I don't understand how they could be verified
Consumer complaint received 2021-10-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (CO)

The company had sent multiple notifications of insufficient insurance to cover the home and that they would be seeking to purchase additional insurance. I have provided proof of sufficient insurance on several occasions, both in XXXX of 2021 and XXXX of 2021. As the location is a condominium/townhome the coverage requirement is divided between the HOA and the homeowner ( " XXXX XXXX XXXX '' ). Despite being told over the phone that this error would be corrected in records and no further action will be needed, multiple letters have been received threatening the purchase of this additional insurance. 

During each phone conversation with the company confirmation of the call has been requested and the homeowner has been told by the company that no such confirmations exist. Additionally, despite receiving 'Employee IDs ' and 'Interaction Numbers ' from phone calls, company representatives deny the existence of previous calls. They claim this to be " For security reasons '' which is a blatant lie under any relevant information security standard. Additionally, the coordination between organizational departments results in a days-long process of contact at unknown times which provides untenable coordination for a working adult. 

At the time of this complaint these letters are perceived as a combination of harassment and extortion as the option to refinance with another organization is prohibitively expensive to the Veteran.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I received a text telling me {$1400.00} was taken out of our XXXX account. They asked for verifying information including social security number and DOB. They were able to send me alerts via the text function from XXXXTruist and had us verify our name and password and then told us we would get a link to reset it, which never happened because it turns out they were the scammers On XX/XX/XXXX my husband and I reached out to Truist bank and saw a XXXX dollar charge from XXXX that was made on XX/XX/XXXX. We froze our account and filed a claim against the XXXX transaction to get a refund and were told not to hold our breath on getting refunded.
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Equifax is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX i need all these fraudulent inquiry removed from my report.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

I had purchased a XXXX van from XXXX Nissan of XXXX. The car was priced at {$16000.00} plus taxes and fees. And I had a down payment of {$5000.00}. The car total came up to {$19000.00} including 7.94 %. But when I received my first month payment I realized they bumped my loan to {$29000.00}. Its clear that instead of taking my {$5000.00} deposit off they actually added it as an extra. I have been going to dealer to fix it however I keep getting thrown out and being yelled at. They think because I am XXXX and I dont speak English well they threatened me with reporting me to INS. I need this problem to be rectified. 
I have attached the car purchase price and also the finance contract.
Consumer complaint received 2019-03-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (CA)

Dear honorable Cfpb good morning as much as possible I dont want to used my excuses that Im a XXXX XXXX home owners due to my passed XXXX XXXX XXXX with XXXX XXXX XXXX XXXX to my XXXX, Ive been with TRIAD FINANANCIAL since XX/XX/XXXX and never been late my payment, I changed my XXXX XXXX XXXX checking account last XX/XX/XXXX and have a new checking on line I always do an on line payment through this mortgage, last XX/XX/XXXX I enter my on line payment in XXXX XXXX XXXX  to my checking and it went through, I left the country last XX/XX/XXXX, when I came back last XX/XX/XXXX, I received a letter saying Im late in my mortgages, and what questioned me is if theres is a problem to my payment they should call me because Im still here in America, I spoke to the supervisor XXXX XXXX XXXX XXXX XXXX and he is very rude and discriminated me, because Im XXXX he told me called an attorney and hang up on me what I told him is if I could not pay the delay fee and its {$1500.00} and he never give me chance to talk and told me to hire a lawyer because he will report me to credit bureauw threaten me And my XXXX XXXX XXXX XXXX because I had a XXXX where I got it from my travel I hope that he will be investigated he threatens me like an animals and never late in my payment I recorded my conversation with him
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Fraudulent charges of {$830.00} made at the XXXX XXXX in XXXX MD were put on my credit card by Capital One. The purchases were made with another credit card on XX/XX/XXXX. 
A Capital One representative called me about the suspicious charges on XX/XX/XXXX with a card that ended in the four digits XXXX. I told her I had no such credit card ending in those numbers. She called me back on XX/XX/XXXX and said it was a non-existent card. I was told by her the matter was over. On XX/XX/XXXX Capital One mixed the fraudulent charges with my actual purchases, confusing all the interest charges. The charges were in dispute at this time. 
Capital One threatened to leave the fraudulent charges on my card, if I did not send them a clear front and back copy of my Driver 's license. 
Capital One refuses to address the issue at the center of these fraudulent charges. That is ; How can charges be placed on my credit card when the XXXX XXXX supervisor in XXXX MD told me my card was not the card used to make the purchases? And how can a non-existent card clear?
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX EQUIFAX XX/XX/XXXX THE ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, ( DELETE ) THE LISTED ACCOUNT BELOW ( IMMEDIATELY ) FROM MY CONSUMER REPORT. 

XXXX ACCT # XXXX.
Consumer complaint received 2022-08-26
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. (MO)

I have noticed that XXXX XXXX XXXX have placed an inquiry on my XXXX and TRANSUNION credit file dated XX/XX/2020. On multiple occasions I requested XXXX XXXXXXXX XXXX, XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MA)

Credit card payment of {$29.00} is XXXX month late due to unexpected financial congestion. Citi is harassing me with several phone calls a day - often in the early morning or late evening. Called and they refuse to postpone my payment the few weeks I need. The associate I spoke to in their hardship department says that they do not post pone payments.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( 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
Consumer complaint received 2022-06-15
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX  
                                                  
                                                  

                                                   EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
                                                TO WHOM IT MAY CONCERN.
THIS ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, DELETE THE LISTED ACCOUNT(S) IMMEDIATELY FROM MY CONSUMER REPORTS.

XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX  ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX XXXX XXXX XXXX ACCT# XXXX
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (CA)

- Approved for BBVA ClearPoints card on XX/XX/2021 - Promotion offer was 18 months 0 % APR + {$100.00} credit after spending {$1500.00} - PNC bank merger occurred - In PNC dashboard, interest rate now shows as 17.24 % - Bonus has not been provided - No late/missed payments- PNC is impossible to get a hold of. They took away their chat feature and every time I am on the line for 20 minutes when it tells me " There are no consultants available for your call, good bye ''. I have also messaged on XXXX and was told to call. No locations near me. 

BBVA initial email and current PNC screenshot included as attachments.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/14 I applied for a care credit card at my dentist office. It said 0 % apr which is why i chose to pick this card for my dental work. I had XXXX placed in credit on the card to pay for my appt. I have made on time payments for a little over three years. Only until i didnt pay one of my bills did i receive for the first time a paper bill which stated i still owed XXXX. I called them to correct the info. They are stating that when i started it was just a promotion but that it was only for a year. I had never recieved any emails or paper mail stating that this Promotional apr was ending and that i would be on 26.96 percent apr. I would have taken out a personal loan at 10 percent apr and not have kept the card. The information is very misleading.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a deposit in XXXX in the amount of {$1600.00}. It was processed and posted. 
After 5 months, Bank of America debited my account by {$720.00}. After I tried to dispute it, they still wouldn't give me my money back. 

They kept staying there is a {$720.00} shortage of currency in my deposit.