davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing. 

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

Thank you. XXXX XXXX
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MD)

XXXX - I enrolled in XXXX  's XXXX credit security program and saw that there is a Revolving Account from CBNA opened in my name. I have used and had any CitiBank products. It is even more alarming because this account was opened XXXX ; I was born XXXX. During my phone call with CitiBank they were unable to locate any account connected with my SSN. They ask that I contact XXXX to have them give me the CBNA account number so that CitiBank could locate this account. 
XXXX - I contacted CitiBank to retrieve this account information. I was told that XXXX would be unable to give me any information about my credit profile unless I purchased their credit monitoring program XXXX ( XXXX ) for XXXXUSD. After a few moments of confusion I asked the telephone operator to confirm that XXXX  is refusing to provide me with information about my account until I purchase their XXXX  program ; to this the operator immediately disconnected the phone call.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (KY)

In XX/XX/XXXX, our mortgage company paid the wrong amount on our XXXX property taxes from our escrow account. They paid a total of {$1400.00} ( in 2 separate payments for some reason ). The amount was about {$400.00} short ( we don't know why they didn't pay it in full ). The county then sent back the partial payment to the mortgage company, as that is their policy. The mortgage company did not investigate at that point or notify us. 

In XX/XX/XXXX we received a check for {$1800.00} from the mortgage company. We thought that was odd so we contacted them. They told us about the county sending the {$1400.00} back to them. We asked why and they said there were not sure why it happened. At this point, we had received no XXXX property tax bill or statement or any notice of any delinquency. We asked them to do an " investigation '' of the matter. We did not hear anything else from them about the investigation. Since we also did not receive anything from our county, we thought the check was some kind of overpayment from something in the closing of the loan since it was just closed in XX/XX/XXXX. 

Last week ( XX/XX/XXXX ), we received a letter from an attorney stating our delinquent property tax bill had been purchased by a private company and that we would need to pay a total of {$3500.00} or our house will be subject to foreclosure as of XX/XX/XXXX. This amount includes delinquency fees and attorney fees. 

We spoke to our mortgage company on XX/XX/XXXX and told them about the letter. We were told this was not our error and that they would be investigating it. We have not heard anything from them since then. We made sure to tell them this was an urgent matter. 

After a lot of phone calls, we have discovered that the county had been sending our tax bills and notices for XXXX to the wrong address, our old address, where we had not lived in over a year. We are not sure why someone on the county level did not properly record the address from the deed. We are still looking into that. But that explains why we never received the XXXX tax bill or any notices of the taxes not being paid. We thought our mortgage company was taking care of it, as they were supposed to. 

We would also like to note that they have already sent a payment for the XX/XX/XXXX year and it is once again the wrong amount.
Consumer complaint received 2019-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I contacted Equifax by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX XX/XX/XXXX on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at the XX/XX/XXXX XX/XX/XXXX on XXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. Equifax said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!
Consumer complaint received 2019-08-21
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: WELLS FARGO & COMPANY (VA)

I have been dealing with an ongoing issue with Wells Fargo card for two (2) years. I called customer service again today and spoke with XXXX who advised that I had to contact the merchant to continue the process. I shared that I did not get the service nor amenities that were promised. The resort was extremely dirty and bug infested, my daughter suffered an awful bug bite and had to receive medical treatment. The resort did not have the number of resturants as advertised on their website. Wells Fargo has failed to properly investigate my claims.
Consumer complaint received 2019-03-13
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. (SC)

I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about XXXX then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops XXXX points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MI)

Interrest rates are too high origainal loan {$1700.00}. The loan is up to {$2100.00}. I have been paying on this loan for 4 months now. {$440.00} every 2 weeks. I called XXXX XXXX site they told me only {$8.00} a pay went towards the principle the rest was all interest. So now I am going to just pay the whole loan off with my next pay.
Consumer complaint received 2018-12-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I can not seem to pay down the principal amount that I borrowed. I was in forbearance for a while and am now in an IBR. When I originally consolidated my loans in 2004 the total principal balance was approximately $ XXXX. I have paid over $ XXXX back over the past 14 years and my principal balance is still $ XXXX. When I review a statement of all payments and charges against the accounts I can not make sense of the numbers.
Consumer complaint received 2021-06-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I opened an account with Banana Republic in XXXX. At the time I lost employment and was unable to pay the debt and attempted to resolve with creditor. When i had enough money to pay the debt in full I did so. I was told by a representative that if a payment was made the negative would be removed from my credit report. The item remains on my credit report and the company as updated the item with false information such as : a false address and date of charge off.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (MI)

Money Network Financial has incorrect names on the XXXX XXXX XXXX XXXX. The card member services phone number does not allow for contact with a representative. The only option for changing the name requires faxing of sensitive information. No one has fax machines anymore, and the only access to such a device is at my public library which is closed until further notice. 

After much struggle I was able to authorize transfer to my regular bank and am now trying to close this account. I don't not want this account or want this company to have access to my personally identifiable information such as my social security number. There does not appear to be any way to close the account. The email contact link does not function and the phone menu does not allow for contact with a human or the option to delete the account.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 I received a text message from Citibank saying a XXXX payment of {$2000.00} was being processed, immediately I contacted Citibank to explain that this was fraud and request they retract or block this payment and block my acckunt from further payments using XXXX. 

While talking to the Citibank rep. Another transaction of {$500.00} was made using XXXX to the same recipient. 

After hours of phone calls and countless promises from Citibank reps. That I would get my money back, they have DENIED my case and claim the transactions where not FRAUD. 

They have informed me that they have NOT contacted the recipient nor verified any details of how the transaction was made. Ie. No ip address check. 

I was told by Citibank to contact XXXX whom in turn told me to contact Citibank. I'd like to restate for clarity I DID NOT AUTHORIZE THESE PAYMENTS not did i ever send money to this recipient. 

I am at a loss to understand how money can be removed from my bank account woth absolutely now verification from me, and how this can be done when I call them immediately to STOP the transaction. 

I believe I my money should be returned and some type of security procedure implemented so others shouldn't suffer the way I have. 

Additionally a financial institution should not have the right to allow a non FDIC insured institution to be incloded in the mobile application.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (WI)

1 ) Completed in-store purchase at XXXX XXXX XXXX XXXX XXXX, WI ) on Sat XX/XX/2021 ( Time : XXXX ) using US Bank Debit Card ending in XXXX XXXX Amount : {$25.00} ). Transaction posted to my checking account Mon XX/XX/2021. ( See attachments for personal details. ) *Sale Trans # : XXXX. Verified by pin. 

2 ) During transaction, sales clerk stated that my 1st US Bank Debit Card authorization attempt failed because I " removed the card too soon '' ( which I did not ). The sales clerk then instructed me to reinsert my US Bank Debit Card a 2nd time. 
*Please note that this transaction occurred in-store so there must be a video recording my the described actions. 

3 ) On XX/XX/2021 my US Bank Account posted a [ double transaction alert ] for the {$25.00} amount ( see attached documents ). I called US Bank and asked for an inquiry. I also went to back to the XXXX XXXX spoke XXXX/Store Manager XXXX XXXX XXXX and a XXXX XXXX ( XXXX ) both of which told me that there was only one ( 1 ) transaction and that the second transaction would " drop off. '' Please note that the XXXX XXXX. XXXX left a voicemail for me stating that my card was authorized twice ( x2 ), and assured me that the 2nd authorization would " drop off. '' 4 ) As of XX/XX/2021 the duplicate charge of {$25.00} has not " dropped off. '' Not sure if this error is fraud, theft, or something else. See attachments and investigate. 

Thanks!
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXXs Account number XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have notified Experian, XXXX, & XXXX of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My father passed away in XXXX, 2017 and I have been charge for his credit card from CAPITAL ONE. I never pay attention to detail on my bank statement. When I looked up my latest statement, I saw the charge on my statement from CAPITAL ONE credit car and I spoke to my bank ( XXXX XXXX XXXX  ) to do the stop automatic payment and they said that they can not do it. It has to be done by CAPITAL ONE. When I looked up the law for the stopping automatic payment, it says that BANK ACCOUNT HOLDER CAN REQUEST TO STOP THE AUTOMATIC PAYMENT. After that I requested to fraudulent payments and they said they can not return the money back since it is automatic payment but I told them it is fraudulent payment and been going over past few years in small amount. My bank says that I have to reach out to the Capital One and when I called Capital One, they said that I have to reach out to my bank.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (LA)

DEFINITION of Zombie Debt : I had internet service with XXXX and moved, I brought my equipment and closed the account ( XX/XX/XXXX ) and opened new account ( XX/XX/XXXX ) with XXXX at the new address, which I kept for 13 months ( XX/XX/XXXX ). The manager ensured that the account was Closed, and I never received any information that the old account was not properly closed in the XXXX system. The service at New Address was never interrupted for any reason ( such as Non-Payment ). I ended that contract ( with XXXX ) after 13 months and moved to another service ( XXXX XXXX XXXX ). 

In XX/XX/XXXX I received a letter from XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I again hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX In XX/XX/XXXX I received a letter from I.C. System that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I was able to Dispute at ( 2 ) Credit Agencies, but ( 1 ) Credit Agency has marked the erroneous debt a Valid. I have AGAIN hired a Lawyer to Dispute the Validity of this erroneous debt. 

My Credit Score has taken an 86 Point Drop ( from high 700 's to high 600 's ). I was in process of making a major purchase, which I have now had to put on hold to correct these errors. 

The fact that Debt Collectors ( such as I.C. Systems ) will purchase bundled debt obligations without the previous Debt Collectors ( XXXX XXXX and XXXX XXXX XXXX ) scrubbing erroneous customer information is the Definition of Zombie Debt, it just won't go away. My attorney actually recommended that I pay a debt that I don't owe, but agreed that it might not be removed from my Credit Report.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc (CO)

Affirm/shop pay REFUSE to close my accounts on their end even though THEY HAVE BEEN PAID!! When I first called with this issue, I was told I had to wait until payment cleared. Well, AFFIRM PER THEIR OWN ADMISSION LETTER STATE THAT ACOCUNT HAS BEEN PAID IN FULL AND YET REFUSES TO CLOSE MY SHOP PAY ACCOUNT ON THIER END!!

Every time I call, NO ONE can speak decent english, including the supervisors and NO ONE can close my account even though I have REPEATEDLY TOLD THEM TO!! They " claim '' the system won't let them do so.

They " claim '' the case was escalated, but the last time they claimed that in one of my cases, it never was! 

I WANT MY ACCOUNTS CLOSED NOW AND PROOF THAT IT HAS BEEN DONE!