davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NC)

My husband died in XX/XX/2019. He had brought a new XXXX and I had cosigned for him. When he died, I got in touch with Pentagon Federal Credit Union and sent them his death certificate and XXXX and told them I could not afford to keep the truck. They told me to sell it, I told them I needed them to take the truck back. Of course I could not sell it, I didn't know anything about that. I explained to them. I barely had enough money to bury him. Finally they asked me to submit to them all of my bills and daily expenses. I did that and I heard from them that the debt had been forgiven. Later, I saw on my credit report that there was a XXXX deficit and that it had been put on my credit as a bad debt that had been charged off account. Account balance was reported as a loss by creditor, I called the several times, because after I did everything they had asked, why were they putting it on my report. I WAS TOLD THEY HAD NOT ASKED ME TO SUBMIT ANY INFORMATION AND THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT. Every since, I have been screwed. There is nothing I can say to them because they deny what they asked me to do, now I am trying to buy a house and this is on my report and if needs to be taken off my report. CALLING AND TALKING TO THEM HAS NOT WORKED. I need this cleared up and off my credit report.
Consumer complaint received 2017-11-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Ive already paid off multiple loans with Navient but I need some more time to pay off the remainder of my loans. I am receiving up to 10 calls per day at all hours of the day.
Consumer complaint received 2017-11-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: CITIBANK, N.A. (IL)

I contacted Citi Prepaid cards regaining an expired prepaid card I received. Citi is  claiming that since the card is expired the funds are no longer valid and citing terms and conditions that are different than the terms and conditions I received with the card.
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

I am writing to lodge a complaint against KAYS Jewelers regarding a {$440.00} interest charge imposed on an account belonging to my husband, and myself. The account was fully paid off and was recently under a promotional plan from XX/XX/XXXX to XX/XX/XXXX. This plan offered a 12-month interest-free period, during which we made monthly payments of {$74.00} toward our {$2700.00} balance. The promotional period ended on XX/XX/XXXX, after which we expected any interest charges to commence if the balance remained unpaid. 
Before obtaining the card, a representative at the XXXX XXXX branch in XXXX, NC assured us that interest charges would only apply after the 12-month promotional period if the balance remained outstanding. Consequently, we believed that interest for the first year would be waived entirely and would only begin accruing thereafter if the balance wasn't cleared within 12 months. However, on XX/XX/XXXX, we discovered a significant interest charge posted to our account on XX/XX/XXXX. To our dismay, we were informed that we owed a year 's worth of interest for the uncleared balance that remained on the account after the 12-month promotional period. This information was not disclosed to us during the card application process, leading us to continue making minimum payments into the 13th month. Had we been aware that a lump sum of 12-month accrued interest would be imposed instead of monthly interest starting onward from the 13th month, we would have paid off the balance much sooner. Following a discussion with a representative, we promptly paid the entire balance of {$1400.00}. The representative assured us that they would request the branch to acknowledge the payment and remove the interest charges. However, despite expectations of receiving email confirmation regarding the status of this request, we have not been contacted.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I opened this account with the proper address XXXX XXXX XXXX XXXX  XXXX California XXXX XXXX XXXX 's statements get to our home delayed and times we receive no statements due to fact that the statements get lost in mail or sent back to XXXX XXXX. 

I requested that the address to be corrected and no action had been made to correct the address. XX/XX/2020 - XXXX XXXX charged me an ANNUAL FEE which is not a goods or service. Regardless, I did not get the statement so being busy with my business - this annual fee was not paid. I incurred a 30 day late which took down my score from the 700 's. 

I eventually paid the annual fee, but this time request that XXXX XXXX please change the address to the correct legal address so I receive their statements. I have requested that XXXX XXXX remove the 30 day late and refund the {$27.00} late fee. I would have paid gladly but now my family harmed due to XXXX XXXX 's failure to take down our correct address and make requested change. 

NOTE : Please only pull a soft pull both to XXXX XXXX and CFPB. I can not have my score destroyed further due to this address error and non- receipt of my statements. Thank you for your consideration.
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I'm XXXX years old and been living in my home with wife and grandchildren for over 34 years. XXXXXXXX XXXX  is trying to fraudulently take our home despite all the illegalities the Federal government caught them in when they bundled the securitized mortgage that they acquired from XXXX XXXX in XXXX. They are being monitored by DOJ however they have done nothing to settle the mortgage issue with my family. I can't reach anyone from XXXX XXXX to correct this travesty of justice. PLEASE HELP!!!
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 360 MORTGAGE GROUP LLC (MD)

XXXX/XXXX/2017 - Present. 360 Mortgage has not and refuses to produce the original promissory and 'alleged ' loan instruments for inspection. 360 Mortgage separated the original promissory and 'alleged ' loan instruments, instead utilizing XXXX XXXX XXXX XXXX ( XXXX ). 360 Mortgage refuses production of its bond and charter to conduct business at XXXX, continuing to escheat my estate. 360 Mortgage 's continued unlawful practices is indicative of an occupational government and its rogue corporations. I intend to forward this submission and all correspondences to the united states ( Organic ) Attorney Solicitor for action.
Consumer complaint received 2024-04-17
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. (GA)

I recently review my credit report and notice account not reporting accurately. I had three late payments I know I paid on time cause my bank had a glicth and error that states that .My bank said I had to write all 3 credit bureaus to get them remove even though they made mistake. The consumer reporting agencies have need to report all information with complete accuracy. These accounts have not been late on payments. I have attach a copy of this report on complaint on the following dates. XXXX, XXXX, XXXX, XX/XX/2023. 
I AM REQUESITNG YOU REIVESTATGATE AND PROVIDE VERIABLE PROOF WITH RECORD SHOWING I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED I DEMAND THESE PAYMENTS BE UPDATED PAID ON TIME IMMEDIATLY TIME
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

Around XX/XX/2024 XXXX XXXX XXXX placed a debit collection on my credit report ( which they shouldn't have ). After them removing it all the credit limits on my credit cards started declining and my credit score went down I reached out to Equifax to understand what had happened. given an they could not tell me I am believing they have committing fraud reporting incorrect information.
Consumer complaint received 2024-04-16
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. (GA)

I XXXX XXXX XXXX recently reviewed my credit report and notice I had fraudulent and inaccurate accounts on my report. Please remove this account from my report. This is hurting my ability to obtain credit
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a complaint thru CFBP online on XX/XX/2024. Please see attached. It was VERY CLEARLY MENTIONED THAT IT WAS NOT ABOUT IDENTITY THEFT AT ALL. FRAUD COMES IN DIFFERENT SHAPES AND FORMS. You should know that by now. Yesterday of XX/XX/2024, I received a mail from TransUnion about Identity Theft Related Request letter WHICH I DID NOT REQUEST RECENTLY AT ALL. STOP HARASSING ME WITH MAILING ME THIS LETTER THAT WAS A TOTAL LIE. DO YOUR JOB IN A PROPER WAY, INSTEAD OF HARASSING DISADVANTAGED CONSUMER WHOSE LIFE HAD BEEN UPSIDE DOWN ALREADY. YOU WILL NOT BREAK ME. JUSTICE MUST ALWAYS PREVAIL. XXXX Credit bureau did not harass me with this kind of letter at all. XXXX did a remarkable job considering all my provided information from the law enforcement agencies and made a smooth conclusion to my complaint. You have everything in front of you already.
Consumer complaint received 2017-11-11
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: DISCOVER BANK (VA)

I filed a complaint against Discover Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Consumer complaint received 2017-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. Transunion and XXXX both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised Transunion and XXXX that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to Transunion and XXXX without the consent of the court.In return, this is inaccurate information and the process thereof.
Consumer complaint received 2020-10-20
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. (LA)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I requested a FREEZE on my credit reports in the past week of XXXX XXXX, XXXX and when I called XXXX XXXX at XXXX on XXXX evening, I told them my accounts have a FREEZE on them. I have a pin number that was sent to me, but apparently the FREEZE does not work. I was able to purchase XXXX at the level I chose with the 30 day free promo code. I was unable to call them to fix this because of the long phone queues and no one answers. I know they are under fire from watching XXXX XXXX. If the FREEZE is not going to work, t hen do n't issue a pin number. I always follow up. Trust and verify.
Consumer complaint received 2017-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Request for accurate documentation provided that this debt is currently mine.

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.
Consumer complaint received 2017-11-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (PA)

Wrote letter on XXXX-XXXX-2017 to Diversified Consultants that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Diversified Consultants to removed incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Diversified Consultants
Consumer complaint received 2017-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (TX)

This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.
Consumer complaint received 2017-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

MACY 'S DSNBVIS XXXX Revolving XXXX A XX/XX/XXXX {$4500.00} {$4000.00} {$4000.00} XX/XX/XXXX CHARGE-OFF {$4000.00} This is not my account. I never open this Macy 's card.
Consumer complaint received 2021-06-24
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. (CA)

I opened this account with the proper address XXXX XXXX XXXX XXXX  XXXX California XXXX XXXX XXXX 's statements get to our home delayed and times we receive no statements due to fact that the statements get lost in mail or sent back to XXXX XXXX. 

I requested that the address to be corrected and no action had been made to correct the address. XX/XX/2020 - XXXX XXXX charged me an ANNUAL FEE which is not a goods or service. Regardless, I did not get the statement so being busy with my business - this annual fee was not paid. I incurred a 30 day late which took down my score from the 700 's. 

I eventually paid the annual fee, but this time request that XXXX XXXX please change the address to the correct legal address so I receive their statements. I have requested that XXXX XXXX remove the 30 day late and refund the {$27.00} late fee. I would have paid gladly but now my family harmed due to XXXX XXXX 's failure to take down our correct address and make requested change. 

NOTE : Please only pull a soft pull both to XXXX XXXX and CFPB. I can not have my score destroyed further due to this address error and non- receipt of my statements. Thank you for your consideration.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (IL)

I have called Target to rectify my issue. Target closed my account and I paid them off. It still shows as a balance on my current credit report as if it still is an active account, but the same account also shows under my closed accounts as well. Target stated that they seen on their end that the account was closed and had a {$0.00} balance. But my credit report is reporting a balance.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Accounts have been separated multiple times, i am a twin and my social security number and name keeps getting merged with my twin sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Last year I submitted a complaint against Chase Bank for closing my account for no apparent reason and with no explanation. In light of the announcement of CFPB fining XXXX XXXX for discrimination against American XXXX due to XXXX background. I believe Chase Bank has committed the same matter on this case on XXXX similar to what XXXX XXXX had done to other XXXX. 

There was no resolution from my previous complaint submittal.