davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
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. (OH)

I have been disputing the same items with the Bureau since XX/XX/ 2017 ; erroneous negative accounts and several unknown and unauthorized inquiries. The Bureau has failed to remove the accounts from my report. I asked for a thorough investigation but that has not happened. They are simply replying verified without explanation as to how they verified the information, or without providing me with the requested documentation ; original contract and my signature. 
Also, the Bureau is no longer replying, timely. I am not getting acknowledgement that they are investigating. I am not getting requested documentation as proof of verification. They are violating my consumer rights and this process has become costly and stressful. 
Also, while I have been disputing the items on my report, they continue to insert unverified and unknown items. They will not remove the items or provide proof that I authorized the inquiries or that the accounts belong to me. They are not following credit laws.
Consumer complaint received 2017-10-03
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. (CT)

My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My XXXX Credit Report also shows a XXXX and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact XXXX to remove these items.
Consumer complaint received 2017-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Credit card company XXXX XXXX XXXX XXXX held my check for payment of {$20.00} balance on XX/XX/XXXX. I mailed check to XXXX XXXX XXXX XXXX and they held check past the due date of XX/XX/XXXX Friday until XX/XX/XXXX, to clear my account they charged {$20.00} late fee plus {$0.00} interest fee. When I called to explain it was sent on time and I was a 21 year member of XXXX XXXX XXXX XXXX and had same difficulty in the past and stopped using the card because they hold checks and drive up late fees there was not one manager or otherwise willing to help me to resolving this. I spoke with 2 managers including XXXX Team # XXXX at XXXX on XX/XX/XXXX. The {$20.00} they charged me exceed the original charged amount/balance on the account. This is excessive and two managers would not reduce this late fee. It is as if they are loan sharks charging 100 % interest on my charges. This can not be legal or right. I had to pay this over the phone today to avoid further late fees of {$20.00} on my {$20.00} current late fee on my original charge of {$20.00}. Thank you in advance for your time.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on my report, my address is XXXX XXXX XXXX XXXXXXXX, Georgia XXXX any other address is not mine and should be immediately deleted. The credit bureaus are required under federal law to report accurate information. 

( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-07-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AK)

The following is an email I received from Ace Cash Express Payday Loan from XXXX : I have not worked with Ace Cash Express or have an account with this company. 

Ace Cash Express Payday Loan This is Attorney XXXX XXXX calling from The XXXX XXXX XXXX, XXXX TX billing department. 

We are emailing you concerning an overdue bill. 

Case # XXXX Your Billing amount of {$740.00} Contact at : XXXX XXXX XXXX I have a bill here for your name the unpaid loaned amount of {$740.00} is your past due. I know its easy to forget about bills, but Id hate to see this go on your credit report with the legal charges below via courthouse. 

XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Our policy is to send bills more than 180 days overdue to a collection agency, but if you can take care of this right now, we wont need to do that. I realize thats a large sum. But Id still like to work with you to avoid this being on your credit report. 

We can offer to split that into a one-time case settlement payment of {$540.00} and close this case today, or 3 Biweekly payments of {$250.00} each until the loan amount of {$740.00} is paid off. 

If you can make the first payment right now, I can set your account up so that its no longer delinquent. 

Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Note : This is your last and final chance to settle this case.
Consumer complaint received 2017-10-03
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. (CT)

My Experian Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My Experian Credit Report also shows a Bankruptcy and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact Experian to remove these items.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: DISCOVER BANK (MN)

The Discover Bank sold me ( and thousands others ) a checking product called their " Cashback Checking '' account. The primary selling points of this account was called XX/XX/XXXX. The account holder would earn XXXX cents for each of the following transactions ; a cleared check, an online bill payment, or a debit card transaction. These selling points were the reason I opened the account in the first place. 

In the last month or so, I started receiving correspondence from Discover Bank that they were restructuring the Cashback Rewards program. The letters and emails read that they would pay 1 % cashback on debit card purchases instead of XXXX cents per transaction. Just yesterday I received an email stating in the fine print that not only were they changing the debit card portion, but the entire XX/XX/XXXX program will be discontinued beginning XX/XX/XXXX. I will no longer earn a dime when I write a check or do an online bill payment. 

I am furious at Discover Bank for pulling a bait and switch on me. They tout their new program as better because it has a higher monthly rewards cap of {$30.00} instead of {$10.00}. I do n't care about that. With the way I 've structured my spending, this change will greatly work to my detriment in the rewards I earn. They are fundamentally changing terms of what I agreed to. 

I called Discover Bank customer service to voice my complaints and find out if I could opt out of the new program and keep the terms I agreed to. They thanked me for calling and said they would file my complaint.
Consumer complaint received 2022-09-10
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 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 2017-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. 

XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. 

XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. 

XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. 

XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. 

On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. 

XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. 

XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. 

I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.
Consumer complaint received 2024-03-04
Product: Credit 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 (TX)

On XX/XX/XXXX I received a text from Capital One asking if I was the one making a purchase of {$240.00} at XXXX  replied no. Logged onto my app saw there had been previous transactions high amounts $ XXXX which I never received notification of. They didnt flag these which I never authorized. Someone stole my card and had been using it for 5 days. I called the fraud department on the same night of XX/XX/XXXX to let them know transactions from XX/XX/XXXX and forward hadnt been authorized by me. On XX/XX/XXXX Monday they sent me a letter saying they have investigated and there wasnt enough evidence to prove the fraud. How is this possible? Please help me out Im a XXXX parent and only use the credit card when needed.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (PA)

Collection company did not make any attempt to notify me of the debt. I would have not known about it if I would have not checked my credit report. I called the collection company and they did not even give me the option to dispute the charge, they told me I had to pay the balance to get it off my credit report
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I've been charged more than 900.00 in overdraft fee in the last 2 years with my TD Bank. I am certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I'm unaware off and there are no way and no grace period where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these banks are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

OnXX/XX/XXXX, I retrieved a copy of my credit report. To my dismay, I noted several inaccuracies that were reinserted on my report after I received documentation ( see attached ) from Equifax that they had indeed DELETED these entries. XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

XXXX XXXX ( Account # XXXX ) was deleted on XX/XX/XXXX ( Report confirmation # XXXX ). DELETE THIS ENTRY IMMEDIATELY. In re-inserting this entry, they are in direct violation as I did not receive a 5 day notice from them.

I AM DEMANDING THAT ALL OF THE AFOREMENTIONED ACCOUNTS BE DELETED FROM MY REPORT YET AGAIN!!!
Consumer complaint received 2020-06-23
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: Westcreek Financial (NY)

This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in XXXX  which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.
Consumer complaint received 2022-08-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-05
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. (IA)

To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.
Consumer complaint received 2017-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (UT)

my fiancee XXXX XXXX XXXX had put me XXXX XXXX XXXX XXXX on his Chase bank accounts as the sole beneficiary and authorized signer to the cash deposit Now account. and I believe there is someone who has cashed the pod account illegally. we resided in XXXX XXXX XXXX Our home was burgerlarized at the time of his death of all personal documentation and everything of value and vehicles stolen off of the property we lived leased. Any thing I can give to check into this more for me. thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc. (AZ)

I bought a car at a buy here pay here location and they sold my contract to another Loans co Without myself permission I do not believe I have to pay a loan co that I did not borrow from so in turn I would like the derogatory loan removed from my credit and let out if the deal alltogeather or send me the title to the vehicle.
Consumer complaint received 2024-03-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (NY)

On XX/XX/23 I used WISE to send a XXXX transfer to a bank in XXXX for the amount of {$17000.00}. I paid an extra {$41.00} in fees, which is expected, what was NOT expected was the loss of {$2100.00} that was taken off by the intermediary bank- XXXX XXXX XXXX. There is a small disclaimer, noting that additional fees might be taken, but it is not asterisked or clear and incredibly misleading as you'll see from the attached documents. WISE stated that they had nothing to do with it but they should not be using banks that can fleece consumers like this.
Consumer complaint received 2021-07-05
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. (IA)

To whom it may concern I have been contacted XXXX XXXX XXXX many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXXXXXX XXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.
Consumer complaint received 2018-03-14
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: Experian Information Solutions Inc. (CA)

Inquiries that not authorized XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXXXXXX {$1100.00} DEPTEDXXXXXXXXXXXX  XXXX {$3000.00}