davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had identity theft happen to me. When I found out, I contact the sheriff 's department and I made an identity theft report # XXXX at XXXX sheriff 's department on XX/XX/2015 I contacted XXXX and XXXX and they removed all the accounts that were n't mine in 90 days. But I sent TransUnion many letters, e-mails, and phone calls and they refused to remove the accounts that were not mine ; 1- XXXX XXXX XXXX 2- XXXX # XXXX 3- XXXX # XXXX 4- XXXX # XXXX Last phone call I made was with XXXX employees names XXXX and XXXX. They told me that they 're prohibited to accept the police report. Also, I need to contact the creditors and when I did, they asked me to pay XXXX % of the amount so they 'll take it off my credit. I am very frustrated with TransUnion because they kept these accounts that are n't mine on my file for almost one year now. It kept me from applying for jobs and paying high interest on my credit card. My car is in bad shape and I ca n't buy a new one because I 'll have to pay high interest if it approves me. Please help resolve this issue with TransUnion, I 'll appreciate it very much. Thank you.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I have student loans in deferment right now, five are in the SAVE program with {$0.00} a month and no interest, the other five have payments that are not due to start for two years. 

Nelnet however has been reporting to the credit bureaus that I am missing payments each month, for five loans each time. I signed in and see not only that but theyve also been adding on tons of interest and theres no mention of the SAVE plan. 

I check the government site, everything looks great. Nelnet will not stop and will not reply back to me
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (TN)

First Horizon Bank in XXXX Tennessee confiscated over {$1.00} XXXX of our XXXX XXXX XXXX  ( XXXX ) funds without communication. ( XXXX is a XXXX XXXX XXXX XXXX serving XXXX Tennessee since XX/XX/XXXX). Months later we learned that XXXX XXXX  falsely claimed our XXXX XXXX XXXX XXXX  had not used PPP funds properly. After we proved that we used the PPP funds correctly, XXXX XXXX  has failed to put our money back into the account and closed the account. 

This amounts to bank fraud and negligence and has caused our XXXX XXXX to close while 36 employees and workers to lose their jobs all during the Covid pandemic. XXXX operates 4 locations XXXX XXXX XXXX XXXX XXXX. This illegal action by First Horizon Bank has caused a delay in XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This action by the XXXX XXXX  has caused irreputable financial damage to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  failed the " know your customer rule '' and never looked in the other XXXX bank account " operating account '' where most of the activity occurred and where the payroll was made.
Consumer complaint received 2015-10-17
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (IL)

Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free.
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  After your investigation is complete, please send me the results via mail.
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (FL)

I had a mortgage with XXXX acct. # XXXX which was sold to Caliber acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now Caliber ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to Caliber they kept returning them to me stating the payment was not enough to cover the debt. 
XXXX sent the reimbursement check made out to XXXX AND THEY ( XXXX/Caliber ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber. 
Caliber states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by XXXX. 

What I need:1 ) XXXX to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to Caliber. 
2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmerAssist A/R Solutions, Inc. (MI)

AMERASSIST AR SOLUTIONS has a derogatory collections Reported on my Credit Report which show to all three major bureau. This account is in collections for {$1500.00} and is heavily impacting my credit score. I know nothing about this account and would like this removed immediately. 
This bogus account was reported by AMERASSIST AR SOLUTIONS. This was last reported on XX/XX/XXXX This complaint indicates that the account was opened on XX/XX/XXXX o The Company in which the complaint originated is XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XXXX I initiated an investigation with this company to dispute unknown and inaccurate items on my credit report. Until this day, XXXX, which is over 60 days later, I still have not received a response. This company feels that they can get away with ignoring me since they think I have no recourse but I am writing to you ( CFPB ) to help me with this situation and ensure they are adhering to the law. Section 611 ( a ) of the FCRA, clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been MORE than 60 days these items should be deleted right away. I require these accounts be deleted immediately or I will file a lawsuit due to the damage this situation has caused. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have disputed several items with each credit agencies snd the information still remove two accounts on my report should be removed because it was requested by both companies to be removed XXXX and XXXX  REQUESTED TWO FILES BE REMOVED YET XXXX  EQUIFAX AND XXXX  ARE NOT ABIDING THIS IS ONGOING AND MY SCORE IS NOT BEING RAISE CORRECTLY I am at a point to seek counsel because for years I have kept record of the mis information XXXX DELETED ASAP XXXX DELETED ASAP THEY ARE NO BALANCES ON THOSE ACCOUNT
Consumer complaint received 2016-06-22
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (GA)

My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was discharged on XX/XX/2014. However, Peoples United ( loan # XXXX ) is still showing that I owe a balance of {$150000.00} on a debt that was discharged in the bankruptcy which is driving down my credit scores and keeping me from re-establishing my credit. At almost XXXX years old I am not very good at fighting these things and was told to ask you for help.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (IL)

To whom it may concern, XXXX XXXX XXXX asserts that I owe a debt to XXXX XXXX when I never held an account with this XXXX XXXX. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to XXXX XXXX Solutions, the alleged debt was being claimed by Pinnacle Credit Services. I disputed the matter with all XXXX credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to XXXX 

They list their mailing address as : XXXX. XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo my home mortgage lender refuses to provide me a copy of my 2016 payment history.I am unable to login into their online services and was told by a rep. that I " you are ineligible for online banking ''. Every payment has been on time. We have a high income, equity in our home and are professionals.I have documented my Wells Fargo calls etc. PLEASE HELP.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX has a fraudulent account in my name. i never open an account nor do they have my ink signed signature to show 100 % accuracy. they passed to Midland Credit Management. Now Midland Credit is refusing to correct my credit report which is hindering me and causing me stress. I sent them a police report and indentation. showing that i am a victim of identity theft. I called to explain they sent me to a law firm XXXX XXXX XXXX. Even though they ( Midland Credit ) are they're the ones reporting the fraudlent info against me. they are refusing to correct the inaccuracies.
Consumer complaint received 2022-02-05
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: Experian Information Solutions Inc. (MS)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, XXXX, and Experian in violation of Federal Law. XXXX, XXXX, and Experian failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXB Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-15
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. (NJ)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( 2 ). | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. All 16 Dept of XXXX
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX and XX/XX/XXXX my credit card payment was due but I was not home ( XXXX ). Coincidentally, a friend that I was visiting was mailing in their Capital One payment at the time I was there so I thought it would be wise to place my payment in their envelope as I did n't have my bill there with me. Logging in to the site in XXXX was different so I was unable to access online while there. For whatever reason the payments did not post to my account. I thought I had taken care of this months ago but as I sit here today my credit reports still reflect XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. Previously a representative had agreed to send a request to remove. There was no way for me to know that Capital One payments may be processed by a Lockbox or machine. I assumed someone would physically look at the check and apply it to the correct account number. The amounts due were so small it did n't seem like it could be so detrimental as it has become. I will never mail my payment in again that way. I have been trying to get this resolved but I am getting the inadvertent run around. One person agrees to remove and then the next person decides not to. Although this is a complaint I am not here to bash Capital One. In my opinion Capital One is the most customer friendly bank there is, XXXX to none. Usually, I would even say the majority of the time the Customer Service is top notch. I am actually considering using the Capital One vehicle financing program and would consider and refer it to friends and family depending on how that goes. I am a good customer and I even follow Capital One on XXXX. However, getting someone to listen, understand, and act on my account error has been almost impossible. Today, XX/XX/XXXX I was told by a Capital One representative by the name of XXXX at about XXXX PM that the FCRA states that they can not change the information even if due to a processing error. I have read through the FCRA and I did not read that anywhere. The account is closed and paid in full but this mistake in which I had every intention to not happen happened and I am being penalized exponentially because of this. I requested statement copies last weekend of my XX/XX/XXXX and XX/XX/XXXX statements and instead received a letter stating the information could not be furnished because the account is closed and has a zero balance along with the XX/XX/XXXX statement. A clear indication that mistakes do happen but in this situation I am the only one being severely punished. To make matters worse the letter gives 4 key points as to why credit counts which I am aware of. I am a spouse, father, son and many people are depending on me so my credit is important. How can I tell my family college financing options may be limited because of a {$25.00} payment being processed incorrectly. This is n't fair to me, this is n't fair to my children. Please understand. Please help. The account is paid in full, there is no risk anymore. Thank you.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (NY)

This is a new collection agency claiming a old debt that I don't recognize and I have verified it don't belong to me before. It is illegal to take it off only to put it back on my credit report without my knowledge again.
Consumer complaint received 2020-05-26
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)

Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your TransUnion Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX ) obtained a copy of your XXXX Credit Report.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (TX)

Inquiry - Loan or credit application XXXX XXXX XXXX XXXX  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application CXXXX XXXX XXXX   obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Installment Loan Inquiry XXXX XXXX obtained a copy of your Experian Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX )  obtained a copy of your XXXX Credit Report. 
XX/XX/2020 Inquiry - Loan or credit application XXXX XXXX XXXX ( XXXX   ) obtained a copy of your XXXX Credit Report.