davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (WY)

please update this account STATE EMPLOYEES C UXXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.
Consumer complaint received 2023-01-19
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. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!!
Amount : {$2700.00} Reported XX/XX/XXXX Filed XX/XX/XXXX XXXX County Superior Court
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!! Amount : {$2700.00} Reported XX/XX/XXXX Filed 1XX/XX/XXXX XXXX County Superior Court
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

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 2020-05-21
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. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2020-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XX/XX/2020, I went to the Bank of America ATM in XXXX XXXX XXXX XXXX and withdrew {$300.00} using my debit card. I received XXXX {$20.00} bills out of the machine with no problem. One month later I see a debit of {$1200.00} from my account, I call the bank to find out why this happened and they tell me that the ATM machine that I used was found to have some {$100.00} bills in the {$20.00} bill cartridge that day. So, they assumed that I received XXXX {$100.00} bills, which I did NOT. After being on the phone for 2 hours, I was told that the only way that I could see records showing where they had good reason to assume that I received those bills was to send a subpoena to the bank. This means I would have to file a civil complaint etc. which is absurd! How am I, the customer, responsible for going through these proceedings just for them to show me the findings of their investigation?
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (GA)

on Monday of last week the home owner XXXX XXXX requested that the mortgage company 21st mortgage send another draw because XXXX XXXX has completed everything except the flooring her home. they requested that photos be taken and sent in. they was done so the Thursday. After speaking with the handler of the file it was noted that the check was not sent out to XXXX XXXX, however XXXX XXXX XXXX XXXX the owner of XXXX XXXX purchased a overnight XXXX shipping label in a attempt to avoid the home owner to have to pay a late fee. At XXXX and XXXX XXXX XXXX received a email from XXXX XXXX stating that she received the labels and was about to send it off. After not receiving the check at the time of XXXX XXXX XXXX contacted the XXXX XXXX at Ext XXXX ( supervisor ) for 21st mortgage. XXXX XXXX was advised by XXXX XXXX that the check was placed into a drop box after the pickup time that was allowed by XXXX. Now they knew that the label was a next day air and at the time they received the label they could have placed it into the drop box in time for it to be picked up by XXXX. Now a late fee has be added to this account which is {$490.00}, and the home owner stated that she was n't going to pay it because she is not in control of the claims funds.
Consumer complaint received 2023-01-20
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. (OH)

cIm submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I have read and 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 2020-10-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (TN)

Avenue closed down all XXXX of its locations a few years ago. This company before it closed down I was disputing charges on credit card not about clothes but MAGAZINES. When I opened my account several years ago the store clerk offered me magazines for 3 months only as a promotion. The promotion has turned into a nightmare. Avenue is a clothing store and not a magazine store. Comenity Bank has taken over the credit card for this company that NOOOOOO longer exist. And keep raising up my balance for some magazines I never looked at. Comenity has my payment way over {$1000.00} and on what, some magazines? They have even reported I have missed my payment to the credit bureau for a company that NO longer exist in this world. Why are they charging me interested on a company no longer exist? Avenue Stores, LLC, filed for Chapter XXXX bankruptcy protection, according to court records. A chapter XXXX debtor usually proposes a plan of reorganization to keep its business alive and pay creditors over time. Now Comenity bank is working for this out of business store and charging me like they were still in existence. They reported to the credit bureau that I missed my payment and I feel that my balance isn't that high because I barely bought clothes from that store. It's the magazines charges that I have been disputing with Avenue.Chapter XXXX is intended to help businesses and individuals with significant debt. Avenue filed Chapter XXXX because they couldn't keep up with current debt payments can use Chapter XXXX bankruptcy to create an affordable payment plan. So they going to keep charging me interested after 2 years and ruin my credit rating. Comenity Bank is a fraud and should be exposed of their practices. I want to know if Avenue store is still in Business.  I'm also going to get in touch with the State Attorney general in New Jersey where they were located.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (MI)

I refinanced my house in order to pay off all my credit card debt. I paid all balances off and closed all the cards but XXXX. The GoldmanSachs bank on my Apple Card, after calling and closing the account following the full payment on the account, contacted me a month later to ask when I will pay my balance on the account. I asked what balance since I paid off my card and closed the account. They said it was " trailing interest, '' however when I called and closed my card this coming charge was not made known to me. I believed to have paid off the entire amount owed, especially at the ungodly interest rate they were charging me, and so I closed the account in good faith that I am done. Now they are hunting me for this " trailing interest '' charge. 
What are my options? 
Thank you in advance for your kind support.
Consumer complaint received 2019-10-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, On XX/XX/XXXX I submitted a credit card application with Capital One. To further process the application credit one asked me to send them more information. I did not receive this request. Once the window for application closed I was apparently informed that because I did not send the required information the application can not be further processed and the application will no longer proceed with processing and will be terminated, effectively terminating the application. 

On XX/XX/XXXX after I went into a Capital one bank to submit a new application. It was immediately declined because 'Based on your application information, there is currently a pending or recently processed application with Capital One. 

I phoned Capital one and informed them of the discrepancy. Capital One denied assisting in the problem. I asked to be put to the complaints department and they told me they could not do so, the gentleman XXXX told me there was no complaints department, he was the the person who complaints went to and then terminated my call. 

I am requesting that any and all hard enquiries of both circumstances be removed as a result of their broken system.
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (OH)

US BANK Lease I always use the US Bank Automated payment system to make my payment. 

In the early part of the lease, I miss-typed my bank account number and a payment was rejected. 

I noticed that my account was not debited so I made the payment at that time. 

Every time I call in to make my payment, it only says the regular payment is due. 

When requesting a payoff last week, I found out that over {$600.00} in fees have been assessed to my account. 

US Bank has not returned my call to inform me if they are willing to reverse any of the fees assessed. 

The payment due on the automated system should say what is actually due. Had I known this was an issue, I would not have let this continue over the years. 

Any assistance you can offer is appreciated. Thank you
Consumer complaint received 2023-01-20
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. (CA)

I submitted a letter to the 3 Credit Bureaus XX/XX/ to update/correct this suspicious information. I think you have not validated these accounts and I will pursue legal action against you. This was already included in my prior request, and I'm including it again. 
XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXXXXXX XXXX Balance : {$4100.00}
Consumer complaint received 2019-10-31
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. (IL)

I AM NOT LIABLE TO THE DISPUTED ACCOUNTS, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORTING ACCURATE ACCOUNTS. PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DC)

Best Buy applied a {$58.00} Payment Due to the XX/XX/XXXX credit card bill and there were no charges made in XXXX or balances due for XX/XX/XXXX. In XXXX a {$59.00} late payment was made on the account to eliminate the balance. In XX/XX/XXXX a New Balance of {$48.00} was carried over to the XX/XX/XXXX credit card bill. In XXXX a purchase of {$11.00} was made using the credit card and a payment of {$77.00} was made on XX/XX/XXXX that Best Buy did not use as a payment until XX/XX/XXXX so that Best Buy could make overcharges of {$87.00}. When the XX/XX/XXXX credit card bill came for {$12.00} it was paid in XXXX and no purchases were made. From XXXX to XXXX no purchases were made and calls to Best Buy, lasting from1 to two hours, were made and Proof was sent to Best Buy using billing statements, payment receipts, and certified mail. Best Buy would only offer payment arrangements. The credit card bill is over {$400.00} now for interest and late fees only and Best Buy destroyed my credit rating I had since before XXXX.
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I'm having an issue within wellsfargo 's covid19 forebearance program, in XXXX I opted for 3 month suspension. After I learned more about it I called XXXX asking for information on how I would be paying back the loan forebearance. On both occasions the rep sidestepped abby concrete options on how i would be paying back the forebearance. They would not give me a concrete plan! Add my loam is a XXXX XXXX loan, they said I couldn't defer the 3 months without a loan modification, and i can't get a loan modification if I'm unemployed, and the only reason i asked for forebearance wad because there fed said i could grey one. Them they took away my online link to pay my mortgage online before the forebearance was over. There is no transparency from wells Fargo on what my option is to pay the forebearance. A lump some payment is a long shot. I read that XXXX XXXX backed loan ther servicer is supposed to offer the consumer deferment. It seems that wells Fargo is partly being vague about the terms ...
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TN)

I have attempted on numerous times to dispute an account that has ERRORS. Equifax continues to " update '' my account & stating it's resolved with the error remaining instead of DELETING the account because it's a violation of my rights. 

the account is showing i have a PAST DUE ( current ) balance, but with a collection that's impossible. Because of this, the account needs to be removed from my credit report immediately due to not properly validating the information. I do not want Equifax trying to stall or ignore my right to remove this incorrect information.
Consumer complaint received 2019-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

I made a scheduled payment to Navient on XX/XX/19. My payment was not late and it was made in full. 

On Tuesday, XX/XX/19, Navient proceeded to call my place of work. I work in a restaurant, and the owner of the restaurant answered the phone. He was unhappy that I had received a personal call on the restaurants phone line. I was also in the middle of a busy lunch shift and did not have time to talk to a representative on the phone ( about a payment that had already been submitted ). 

My manager later informed me of this phone call from Navient. I called my account manager to make sure that I had indeed submitted this payment, and she said that I should absolutely have not received this phone call. 

I do not appreciate being harassed at my place of work for a payment that had already been made. I also did not wish for my coworkers and restaurant owner to be aware of my crippling debt.
Consumer complaint received 2020-10-22
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: Experian Information Solutions Inc. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

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 2019-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America. I provided a check for my annual mortgage tax payment of a significant sum ( nearly $ 15k ). The check was deposited by the tax commissioner on XX/XX/XXXX. The funds in my account were ~ {$60.00} short of the entire ~ $ XXXX payment. Direct deposits for the two spouses on the account clear at XXXX  on XX/XX/XXXX ( show on the XXXX ). Bank of America could have easily held the check and clear it only a few hours later. Those direct deposits would have shown to Bank of America at least two business days previous prior to cleaning, so they would have been perfectly aware that the funds were set to clear. I received notice from Bank of America on XX/XX/XXXX that they rejected the check, did not pay and issued a {$48.00} NSF fee. They also withdrew the funds from my account and have not returned them ( they say they will at XXXX   tonight ). As a result of the rejection of this payment when B of A knew the funds were clearing within hours, they have both charged a NSF fee equal nearly to the shortfall in the account, taken advantage of a NSF fee on a shortfall of less than 0.5 % of a check amount and were perfectly aware that two direct desposit checks were showing at XXXX. Now, in addition to the NSF fee, we must take the steps of contacting our local tax commissioner to determine how to pay and will be charged a fee by the local tax commissioner.