davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. Moreover, I contacted the furnishers and they agreed to REPAIR the accounts in my file. Please fix the accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: American Collections Enterprise, Inc. (VA)

On XX/XX/2019 at XXXX and XX/XX/XXXX at XXXX I received phone calls from ACEI. They did not leave a message and upon returning the calls both times I was routed to a voicemail. I contacted the company this afternoon and the customer service was lacking to say the least. I understand it is collections however the representative was less than helpful. I was transferred to yet another voicemail to leave a message.
Consumer complaint received 2022-10-12
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$25000.00} Medical XXXX Balance : {$120.00} If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I contacted TD Retail Card Services ( TD Yardcard ) on XX/XX/XXXX. I discovered that were charging me monthly fees on the account. This account is an interest free account, deferred, if paid by the final due date. I began the account payment by paying the first installment in full by its due date in XX/XX/XXXX. Then XXXX setup bi-weekly payments immediately so that I would get ahead of schedule to pay off the account before the final due date and thus insure no interest charges. TD accepted each bi-weekly payment but did not credit the account as a payment, instead began applying the payment to the principal. The amount due each month was {$170.00} and I was paying bi-weekly of {$100.00}. So in some months they received {$200.00} and in a few months {$300.00}. They have continued to accrue fees on my account saying I am not paying the amount due on time. I am perplexed and they refuse to correct this and apply the payments correctly. At this time I am over paid what is actually due to them and they are still charging me fees. They offered to rescind and credit one monthly fee but to me that is not acceptable. They say I have been late paying but that is not correct and I am actually overpaid. I want them to refund me all the months they charged a fee. They are charging {$40.00} each month now and it makes no sense. They just need to correct the application of the payment and I can prove that they have received more than the monthly due amount each and every month prior to the due date. They need to do the right thing here and they are refusing. 
Please help me out as I am a great paying customer who was paying ahead of schedule.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

I attempted to get my free credit report from Experian and was not able to do so with ease. This is a violation of my consumer rights pursuant to 15USC1681h ( c ) ( 1 ) ( B ) ( iv ).
Consumer complaint received 2021-08-24
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. (FL)

On XX/XX/XXXX, I sent a mail regarding identity theft and fraudulent accounts on my credit and i got a mail today stating that " I was not the one who sent that despute ''. I feel as though this is ridiculous. I spend my entire weekend gathering all the documents to receive a mail like that. I am extremely upset. I've been trying to fix this issue for a while now and nothing. These accounts listed on my credit report are not related to any transaction done by myself. I have attached the FTC report along with my drivers license.
Consumer complaint received 2019-06-20
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 a past due amount on the XXXX partial account number XXXXXXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.
Consumer complaint received 2019-06-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (NC)

I had got a loan with discover loans 2 years ago for {$35000.00} Ive paid it down to {$26000.00}. I missed one month got it refinanced for 5 % a month the first payment was {$430.00} for 6 years. None of the first payment went to the principal. All of it to the interest there is no origination fee and discover can not tell me where the money went.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion XXXX XXXX has reported a debt on my credit report. Account opened XX/XX/2020 The amount is {$1100.00} for a medical debt that I have no knowledge of. When I ask them to send me detailed information they just tell me its verified. Im request that this fraudulent information be removed from my credit report
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

A couple time I asked to prove which method they used to verify the information and they never send me any documentation proving how they find out or method used. by law they need to provide. but the never did. On XX/XX/2019 Report # XXXX. I asked and they respond accurate information. XX/XX/2019 Report # XXXX. Same respond. XX/XX/2019 Report # XXXX. Same respond. The account need to be deleted by law. Because the process was incorrect. I was able to fix the situation with XXXX without problem. They can not verified and they deleted the account. 

Account Number # XXXX ( Experian and XXXX  )
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

A company calling itself 'XXXX  XXXX ' called my son and left a message about a debt they say I owed. I called the number and they said they were collecting for Capital One. 

1. They had my previous name. I was married 7 years ago and they had my previous last name. 

2. They had my Social Security Number. 

3. The website for the REAL XXXX XXXX has a warning about an imposter using their name to try to get money. 

4. According to Capital One my credit cards under that previous name were paid off. 

5. Their phone number is XXXX.
Consumer complaint received 2022-03-25
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: EQUIFAX, INC. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get a job, apply for an auto loan, apply for a credit card, or even get an SBA loan for my business. Under this crisis of Covid 19 you have hurt my ability to obtain credit. On XX/XX/2022 I attempted to submit a dispute for negative items on my credit report. I submitted my documents to identify myself and used certified mail to ensure the arrival of my dispute letters. I submitted a follow up letter on XX/XX/2022 and on XX/XX/2022 to comply with my demands so that they see I reached out to the consumer financial protection bureau and other agencies for their assistance in this issue.
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I use the money transfer app Venmo to send money to friends and family. I had scheduled a payment of {$400.00} to be drawn from my checking account and sent via Venmo on XX/XX/XXXX. However, on XX/XX/XXXX, I received a notification on my cell from Venmo, saying that the payment failed due to insufficient funds in my checking account. I confirmed with the recipient that she had not received any payment. Subsequently, Venmo placed a hold on my account, demanding {$400.00} which they claim to have floated in order to complete my scheduled payment. I attempted to contact Venmo through their in-app help chat feature, but their representative simply insisted that the payment had, in fact, gone through. They suggested I ask the recipient to complain about not receiving the payment, but that is not a practical or appropriate solution to the problem that is happening with my own account. The recipient has not received the {$400.00} I attempted to send her, and Venmo has seized {$300.00} worth of payments sent to my own account to satisfy this " debt '' that does not actually exist. They have refused to actually address their mistake, and instead are basically extorting money from me by threatening to send the debt to collections if I do not pay quickly. Consumers should not be put in a position where they have to choose between paying an invalid debt and having their credit score ruined. Please take appropriate action against Venmo , LLC to prevent them from engaging in abusive and fraudulent practices such as this.
Consumer complaint received 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (RI)

My original car loan was with Suntrust who was bought recently by Truist. I refinanced this loan with XXXX  XXXX  XXXX XXXX. The current lien holder, XXXX  XXXX XXXX, has submitted payoff information multiple times to Truist. We do not hear back or see any updates in the status of the lien release. Every time I call Truist they do not know how to handle my request for a lien release. Its an hour hold time each time you need a representative. I dont think its fair to devote so much time to get a representative who is unable to help. I have had multiple calls where I have been transferred to other departments where you then have to wait on hold for another hour. I have been transfered to internal departments who then refuse to help because quote " your on an internal line ''. Which is essentially a line they are using to get you off the line. I feel like no one is willing to help or go the extra mile. At this point I'm paying two car payments. This loan I'm writing about is for a car that has since been totaled in an accident. I can not get the loan payment by the insurance company until this title issue is resolved. Suntrust is so bad they dont even have my correct address. I know this because they said they mailed the lien release to my old Texas address not even to the current lien holder. Which should be a no no! Why would i get the lien release sent to me I wasnt the one who paid off the loan it was XXXX XXXX  XXXX XXXX. I've given multiple opportunities for Suntrust to update my address. Supposedly the refinance request was confirmed closed with Truist on XX/XX/XXXX. If thats the case I want to know why XXXX XXXX XXXX XXXX hasnt received it yet. 

Listed below are some of my calls XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX am XXXX hr XXXX minutes
Consumer complaint received 2022-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I have student loans with AES, this is the third time that I have had to file a complaint. Once again, before the student loan freeze is over, AES is sending me threatening letters about repayment. The two times previous they have had to remove the current charges, but in both cases, I have had to file a complaint with your office. At what point, does the CFPB reach with AES that it sees they are nothing more that a predatory lending operation? Even with the loans suspended, I have tried to continue to make some form of payment, but these people feel they are above the law. Once again, please enforce the freeze on these people, they can't seem to police themselves!
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I tried to get a free credit report from Equifax but could'nt because the verification questions had to with me getting an auto loan at CU and a retail credit card which I did not get from either.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I have proof that TransUnion received my letter disputing negative items that are listed below. And after several calls ( since XX/XX/XXXX ) the dispute was not entered even after being told that they received my dispute letter and that I would need to wait 5 business days for the documents to be uploaded ( After speaking to TransUnions Special Handling Department on XXXX XXXX ). 

Now this is XX/XX/XXXX and I will show proof that TransUnion is in violation. I also have made several attempts since XX/XX/XXXX, to have TransUnion correct inaccurate information on my credit report. TransUnion has responded since XXXX that these disputes are VERIFIED and I have attached proof that TranUnion is lying! 

XXXX XXXX XXXX Account # XXXX Remove the late payments from the Payment History because TransUnion reports, XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ) XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ). XX/XX/XXXX ( 120 days ). 

XXXX reports, XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ). XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( no reporting ) XXXX reports deletion on XX/XX/XXXX Delete Account! 



XXXX XXXX XXXX XXXX Account # XXXX Remove the late payments from the Payment History because TransUnion reports, XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( no reporting ) even though on their report TransUnion is showing Last Updated XX/XX/XXXX???? 

XXXX reports, XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( no reporting ) even though the XXXX report is showing Last Update XX/XX/XXXX???? 

XXXX reports deletion on XX/XX/XXXX Delete Account! 

Collection : XXXX Account # XXXX {$11000.00} Delete the account immediately because I was never given any contract ( or proof ) that this is my account. And I have never had any account or services from XXXX or XXXX XXXX XXXX. 

Furthermore, TransUnion allowed XXXX to re-report a closed account as an OPEN ACCOUNT. Finally TransUnion reports Date Opened XX/XX/XXXX XXXX reports XXXX as a CLOSED ACCOUNT. 

Experian report deletion on XX/XX/XXXX Delete Account! 


I will attach proof to show that these accounts should be removed because of the above violations and additional inaccuracies from TransUnion and XXXX. 

XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/ 2022, I spoke with a counselor at XXXX XXXX XXXX and Select Portfolio Servicing inc. a conversation that was recorded ( please see complaint # XXXX ). During the conversation the representatirive from SPS told me that I was going to be three months behind and facing foreclosure soon even though I was in forbearance. They told me that they had started a special account of unapplied accounts and that I had a balance of over {$400.00} and that if I paid {$350.00} dollars that suddenly I would not be 3 months behind in my mortgage payment, but rather only two. This was a secret that the representative said SPS didnt really want her telling me. My mother who is retired and does not have much income wanted to stop SPS from foreclosing on me. She was generous enough to pay {$350.00} to SPS on XXXX2022. This is how SPS tricked me and my mother into paying them an extra {$350.00}
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.
Consumer complaint received 2018-02-13
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: CITIBANK, N.A. (CA)

Received information in flyer that Sears ( Citicard ) would rebate 10 % of charges for gas, restaurants and grocery store purchases XX/XX/XXXXthrough XX/XX/. Never got them. Talked to citicard rep on XX/XX/XXXX and was told needed to make {$2000.00} in such charges per month to get 10 % back. The flyer didn't say so. Rep said they'd email the details but never got email. I made {$3500.00} in such purchases XXXX to XXXX. So am owed about {$350.00}.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I purchased an XXXX XXXX online for {$300.00}, The seller never shipped my item. 

I put in a dispute with XXXX  which was unresolved, On XX/XX/2023 I filed a dispute with my bank, Bank of America since I used my debit card to facilitate payment. 

I was told by the agent in the Fraud Department that Id have the temporary provisional credit for {$300.00} applied to my account within 48-72 hours, Today XX/XX/2023 I still havent received my credit, I called Bank of America who stated that this doesnt fall under some federal law so they arent giving me a credit. 

This is the first time in my XXXX  years with the bank that Ive not gotten a credit, My money was stolen and Bank of America seems to be helping the thief instead of their own customer. 

I want my money returned.