davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
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. (SC)

Hello my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make any these charges or accounts. I ask that the items be deleted to correct my credit report immediately given the damage its already caused. I also reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. In addition, I'm currently in Remission so it is very crucial that i have this information corrected immediately. It is also very difficult trying to obtain a suitable financial lifestyle for myself as I've even been denied for simple checking accounts. Please delete the items as soon as possible. 


Thank in advance, XXXX XXXX XXXX
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (GA)

RushCard sent out a message that they were updating their systems 2 weeks ago. I am currently unemployed and have to count on my unemployment to pay bills and feed my family.. I have called from XXXX XXXX/XXXX/15 and was hung up on XXXX times ... I was told on my XXXX call to go to the ATM for my online access is currently showing suspended and when I call to check my card it states : " Your card is not activated ''. I tried the ATM to no avail and called a XXXX time and the rep. stated that there is nothing they can do for the 33 % of customers that can not access their money ... I think that this is unfair when you expect to get your fees!!! We as consumers are ; being told to sit and wait on a text as to when you can access your funds no expected date can be given ... I will not continue to use Rush and will advise all of America not to use them ... ... This is Robbery!!!! We need HELP NOW!!!!!
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a bankruptcy reporting on my public record. That should not be reporting they told me the information comes from XXXX XXXX to contact them. I have reached out to them. They have removed the bankruptcy from their XXXX file and it is still reporting on my credit report. XXXX sent me a letter saying they tried to reach out to them to get them to remove it, and they have sent me letter because they can not get a response from TransUnion
Consumer complaint received 2021-06-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank birching signed agreement from the first billing cycle and don't honoring promised discounts. I wasn't aware on actual prime rate published in XXXX XXXX XXXX on or before XX/XX/XXXX. XXXX  I was believed that TD bank and their employees are honest and respectful to own costumers. 
Unfortunately, it wasn't the case. After reading in major medias about prime rate changes and published rate on XXXX XXXX XXXX I find out that TD bank employees were lying and TD bank was over charging my equity line of credit account from day one for additional 0.25 % gaining substantial amount of money during the period from XX/XX/XXXX until now. 
I challenged extra charge on my equity account with TD bank representatives, unfortunately there wasn't understanding and honest approach to correct extra charge on my account. 
With this letter I'm enclosing you fallowing : 1. Copy of HOLOC agreement and disclosure statement. 
Please read page # 2, clausal # 6, explaining 0.50 % discount from published prime rate in XXXX XXXX XXXX. According to XXXX XXXX XXXX published prime rate on XX/XX/2015 was 3.25 % Please see attached copy chart from XXXX XXXXXXXX XXXX prime rate changes. 
Please Read clausal # 7 explaining Relationship discount of 0.25 %. Relationship was established on XX/XX/2015 by opening checking account and this account is active and in good standing. 
According to the agreement my starting calculating rate on balances should be 3.25 minus discounts 0.75 equal 2.5 %. Unfortunately, TD was charging 2.75 % which is higher for 0.25 %. Looking further in every rate change my account is overcharged for 0.25 %. 

2. Copies of TD bank statement : Please see attached statements showing each time when prime rate was changed and published. 
Please compare publish rate and statements which showing discrepancy for 0.25 in every rate change. 
3. Copy of XXXX XXXX XXXX chart for published prime rate change.
Consumer complaint received 2016-04-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I previously filed a complaint with the CPFB ( CFPB case # XXXX ; Huntington Bank Case XXXX ) regarding overdraft fees. Huntington told me and the CFPB that it refunded all of the overdraft fees. They did refund the fees on XXXX/XXXX/2016. Later that same day, Huntington reversed itself and withdrew the money from my account again. I believe this was done purposefully to deceive both me and the CFPB. I did not realize the refund reversal initially. 

Also, Huntington indicated in its response that I permitted Huntington to allow my account to overdraft at the time of signing up for my checking account. This is a bold faced lie. I made ABSOLUTELY certain to the bank representative that I did not want my account to overdraft if I did not have the funds in my account to cover a transaction. In Huntington 's response, they indicated I could opt out without providing detailed instructions to do so.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2016-08-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

They have called me repeatedly today, with 3 of the 4 times being hang up phone calls. I answer, they hang up. After I just made a payment on Wednesday of last week. They have threatened multiple times to end my membership which would also cancel my insurance.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (LA)

The company, FedLoan Servicin g ( " FedLoan '' ), is se rvicing my federal student loan. I am making payments und er the Public Service Loan Forgiveness Program and having  a payment each month under the Income-Based Repayment Plan is the only way for me to be able to afford the payment. And, I want to qualify  for Public Service Loan Forgiveness as soon a s possible.     FedLoan advised me that the date for recertification of my student loans was due by  XXXX   XXXX ,  2017.   The documents to recertify were submitted today (  XXXX   XXXX  , 2017 ) an d while on the phone with FedLoan I was told via phone that my  XXXX   2017 pay ment may not be under the Income-Based Repayment Plan amount because of processing delays.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have reached out to BOA, because the information they are reporting on my credit file is not correct. I reached out to BOA on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but BOA has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get bank of america 's derogatory information off of my credit file. BOA is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

I was extended a credit account by Citibank to purchase furniture at XXXX ; however the 1st issue arose when the credit slip they presented to me for signature did not match the terms they agreed to give of 0 % financing for 18 months. I started to sign the slip only getting as far as the A-L of my 1st name and then told the sales rep I did not feel comfortable signing it and wanted confirmation in writing from Citibank that the terms promised would be honored. Well needless to say the 1st letter I received from Citibank stated the terms were under review and I would be notified of their decision within two billing cycles. At this point I felt I was being mislead and told XXXX to cancel my order. I sent a dispute to XXXX and Citibank to request a refund. XXXX gave me back my money, but Citibank is still attempting to hold me responsible for merchandise I DO NOT HAVE and more importantly did NOT authorize be charged. 

The results of there 1st investigation simply stated XXXX does not allow cancellations or refunds???? So I requested they re- investigate because 1. I did NOT sign the credit authorization AND 2. Never received any merchandise for XXXX Lastly, I have been receiving statements stating I am required to make payments although the entire balance is under dispute AND I have yet to receive a response since I faxed the documents to them on XX/XX/2018. That is over 60 days!
Consumer complaint received 2015-11-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

I had a car loan with Kia Motors Finance. My car was hit XXXX while the car was parked. My insurance company paid off the loan but paid more than the balance of the loan and Kia Motors Finance refuses to return the balance. Although this is a small amount, I believe this occurs to many many people and we have no other recourse. It is impossible to get a live person to speak to on the phone and the XXXX letters I have sent have resulted in no response.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (CA)

I have recently identified incorrect information on my Equifax consumer credit report. There are several inquiries which I have indicated were not authorized by me and have been identified as fraudulent or the result of an attempt of identity theft. I have added initial fraud alerts to my consumer reports. I have notified Equifax of the fraudulent inquiries and every attempt to dispute them results in the same response that " Inquiries are a factual record of file access and will remain on the credit report for two years ''. However, the information being reported is inaccurate as it was possibly the result of identity theft or fraud. As indicated previously, I was a victim of the Equifax Data Breech and believe my information was compromised. As it stands, Equifax is refusing to properly investigate my claims and resolve my dispute. I recently filed a dispute through the CFPB website ( CFPB # XXXX ) indicating the inquiries and their response was that the verbiage, format and associated documents in my complaint are similar to other complaints received by credit repair agencies. Because the complaint did not appear to be a direct communication from a consumer, they were not going to give my complaint any further consideration. This is unacceptable as a response to a legitimate complaint. I am very capable of researching the Fair Credit Reporting Act and citing the applicable regulations when launching a complaint - and I do not work for nor have I retained a credit repair agency. If Equifax refuses to properly conduct an investigation into my concerns, I will have no other option than to pursue litigation. At this time, I am making a final request to Equifax to investigate and remove the incorrect/fraudulent inquiries from my credit report within 30 days or I will seek legal action. The inquiries which were made without a permissible purpose and the result of identity theft are as follows and should be removed. XXXXXXXX XXXX  XX/XX/XXXX After researching and confirming with the bank, the following inquiries are currently reflecting as hard inquiries and should be reflecting as soft inquiries. 

XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Rewards — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CapitalOne closed my account without any notice on XX/XX/2107. At the time of closure there were many transactions which were pending, and Capitalone never issued me rewards earned for pending transactions. 
The rewards amount by the end of XXXX was {$14000.00} The rewards credited to my account during the time of closure are {$14000.00}. 
That means rewards earned for the month of XXXX before closure are {$470.00}. The total transaction amount for the month of XXXX is {$37000.00}, and we expect 2 % in rewards which is {$740.00}. With that said we still missing {$260.00} rewards. 
Since this account closure is done by Capitaone they should issue me rewards for each transaction.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This debt started in late XXXX or XXXX when I was experiencing a severe health crisis from an at-the-time XXXX XXXX XXXX that made me unable to work. I did not work consistently enough to even look at my debt until this year, XXXX. No payments have EVER been made on this debt. Per XXXX XXXX XXXX XXXX is claiming that this debt started in XXXX of XXXX when at that time my credit score was under XXXX and I DID NOT qualify for this type of card. I was temporarily homeless and didn't even have a home address for it to be mailed to between XXXX and XXXX of XXXX. 

I disputed this through XXXX XXXX and never got a response.
Consumer complaint received 2017-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

I received a mortgage modification from Seterus. After the first payment they reported it to the credit bureaus as current. XXXX XX/XX/XXXX 's payment ) Since that time they have not reported anything in regard to my payments. They are also reporting an incorrect balance that was not nor has been the balance in years. They had no problem reporting when it was late and now that it is current they have not reported. When I called I was first told it was coded incorrectly. Now I am being told that their is an internal accounting error. Yet again, with Seterus no one seems to have the same answer or resolves the problem. I need them to report my mortgage payments that are and have been current so that my credit score recovers. If they are unable to do so in the 30 day time frame as requested two weeks ago, under law they should remove the negatives and the incorrect balance as they are hurting my credit now for several months. This has also been disputed with the credit reporting agencies.
Consumer complaint received 2020-08-19
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. (TX)

I have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX They all.need to be removed
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ALCHRO INC. (FL)

This information was provided thru my XXXX Account : XXXX XXXX XXXX {$75.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$75.00} Highest Balance {$75.00} Opened XX/XX/2014 ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I was notified by XXXX XXXX that there was a change on my Transunion credit report. I found that Transunion had added credit card reporting, defaulted loans information, credit inquiry information and an employer, all of which do not belong to me. These events belong to another person, whom I have disputed previously to be removed. Though this is a family member, in no way can their SSN, name or address be mistaken as mine and added to my credit report. This incorrect reporting continues to happen, and now also reflects their bankruptcy information and closed accounts! This has resulted in a reduction of my credit score at a time that it is most needed. This is preventing my financing for my Solar upgrade to my new home. This will also result in additional inquiries to get necessary financing to validate removal. I believe the issue is Transunion and their use of public unverified information possibly obtained thru a third party such as XXXX XXXX. I feel resolution of this is not being done in a timely manner, nor professionally and have done everything within my power to rectify this prior to this complaint. The individual that is reflected is my twin sister, but as earlier stated, does not have a similar first name or social. She has only recently moved in with me, but this RECENT change would not justify her previous history being reported under my credit report. I state that this issue is ONLY Transunion at this point and want complete resolution and removal of all discrepant information not pertaining to me removed. I am frankly surprised that this lack of identity match is being displayed for me to see which is providing me access to information I think should not be disclosed per FCRA reg 611-615
Consumer complaint received 2024-02-12
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. (TX)

I am writing to file a formal complaint regarding inaccurate or misleading information contained in my credit file, specifically concerning an unauthorized inquiry that had been reported. I did not request this lender to inquire about my credit report, and I am concerned about the accuracy of the information.XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

Request for loan assistance denial Selene Loan # XXXX XXXX XXXX RE : Property Address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Selene Finance is engaging in Mortgage Service Abuse, Unfair Business Practices, BREACH OF IMPLIED DUTY OF GOOD FAITH AND FAIR DEALING, VIOLATION OF B & P CODE 17200 ; Dealing in Bad Faith with deceptive and misleading practices. 

Selene issued the attached denial for loan assistance by XXXX XXXX for her home at XXXX XXXX XXXX XXXX, CA XXXX dated XX/XX/2022. 

The letter states Below are the loss mitigation programs for which you have been evaluated, along with our determination of your eligibility. 

There is no indication in the attached denial that the borrower was reviewed for any home retention programs available. Please provide a document that shows all types of modification programs Selene Finance offers, or that this Investor has offered. 

We demand that Selene Finance and this Investor provide the NPV inputs, income and property value used, and the method used to calculate these values for all scenarios in this denial. 

Furthermore, the homeowner is offering a good faith payment of {$15000.00} to lower the principal balance to achieve an acceptable PITI payment
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Update to Case number :  XXXX   Citibank  did not close my account when I requested it in writing and has reported false information that I am disputing my balance. I have attached all my communication with  XXXX   XXXX   XXXX  that was not sent to you since her letter dated  XXXX . It was convenient and shady that all this communication occurred after the case was closed. I do NOT want to deal with  XXXX   XXXX  again. Her involvement was a waste of my time and did not resolve my formal grievance.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

National Credit Systems  a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in  XXXX  at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.