davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-07
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX TO XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I have a USAA XXXX account that has been setup to auto pay the balance due in full for many years. They always take whatever amount they want when they want it. I have zero control over this process after it is setup. They take whatever this amount is in a reliable fashion. However, on at least two occasions in the past 6 months, and possibly more, they have charged me " interest on purchases '' - which as the balance should be XXXX at the time should also be XXXX. I have complained and after multiple attempts it was corrected the first time. I have complained again but since millions and millions of customers could also be affected I have told them to look for customers like me in their system and credit all of us the money we are due this time around.
Consumer complaint received 2015-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (MA)

I paid my credit card bill on the due date of XXXX/XXXX/2015 in the amount of {$210.00}, which Wells Fargo took out of my XXXX Checking account immediately overnight. The next thing I find out is that they put a XXXX day hold on my XXXX charge card, saying they never received the {$210.00} because my account was overdrawn. I have overdraft protection at XXXX and I paid the {$32.00} overdraft fee when Wells Fargo got their {$210.00} payment. XXXX faxed over a letter to Wells Fargo stating that they did get their {$210.00} payment, but Wells Fargo is refusing to believe them. They are still trying to tell me the payment has not cleared, even though they took the {$210.00} already.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Requested copy of statement that show the credits that changed the reporting balance from {$2500.00} reported XXXX 2016 to {$1900.00} reported balance as of XXXX 2016. I sent a direct request to Capital One requesting the statement for that change but never received XXXX. I did receive a letter saying Capital One was going to change it but never the supporting Credit Card statements showing how the account was credited. Also could I get a verification of the correct address and furnisher name as it would appear on my credit report for account number as reporting in my CFPB complaint.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

GLA continues to call me and state I owe on  XXXX  accounts. I listened to them and explained I had insurance for the dates of service. I contacted my insurance carrier and was tol d GLA nor    XXXX    XXXX   XXXX  Hospital never billed them and that was all that needed to be done to get them paid. I called  GLA  and   XXXX    XXXX   XXXX   Hospital  back and gave them all information to bill the insurance companies. I asked if they could remove these collections from my credit reports since I didnt owe. They stated yes. Not only have they not removed them they have sent them to all  XXXX  as an updated account.
Consumer complaint received 2017-01-29
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bread Financial Holdings, Inc. (VA)

This is a debt from HSN, bought by XXXX. They NEVER contacted me in writing about buying this debt. The first contact from XXXX was when I was served with legal papers about the debt. I have never received a bill or letter stating they bought the debt.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account BANK OF AMERICA opened last XX/XX/2011 is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2015-05-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

i rented a car with my credit card which has rental car insurance in XXXX 2015, in a supermarket parking lot some unknown person scraped the rear fender. the charges for repair came to {$300.00}. i filed a claim with the credit card co. I have filed all the infomation they have asked for XXXX, I have mailed the info and also faxed it to their claims dept. each time I have received a form letter asking for the same infomation that I have already sent them.I have spent many hours on the phone with them and each time getting told that a claims examiner will review my claim and get in touch with me, no one has ever called!!
Consumer complaint received 2015-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ATG Credit, LLC (IL)

Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One has placed a delinquent account on my credit report. I have disputed the account and it still remains. I did not open this account nor have I ever used or had access to this account. It was turned over to a collection agency called XXXX and they are yet to remove this item after multiple attempts to resolve the matter. I received a statement from Capitol One several months ago stating this item would be deleted within 60 days.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP. (MA)

Im writing because I noticed that my most recent credit report contains New City Funding Corp as a Paid Charge off Collection. I was in a rear end front end collision and the vehicle was totaled out and was unaware I was still obligated to continue to pay the car off in full. I thought that was up to the insurance company. I want you to know that I understand my financial obligations, so I paid it off in full in 2018. I would have an excellent repayment record. 
I am planning to apply for a Mortgage Loan, and it has come to my attention that the missed payments, and charge off status on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to delete the account from my Credit report. Thank you for your consideration, and I hope you will approve my request.
Consumer complaint received 2018-03-19
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: Experian Information Solutions Inc. (FL)

the date open on this account is being reported as XX/XX/XXXX which is incorrect. its now XX/XX/XXXX but this account is showing an updated status of XX/XX/XXXX. 
its also showing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late on any of these months but cant get reporting agency to verify that i was indeed late. the balance reporting is also inaccurate
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stellar Recovery, Inc. (AZ)

On XXXX XXXX, my credit report added a collections account for {$100.00} by Stellar Recovery, listing the open date as XXXX XXXX by XXXX XXXX as the original debtor. 

I immediately contacted this company because I have n't had a XXXX account for nearly 3 years. This company is verbally abusive. When I inquired as to what this was for they provided inaccurate information. They advised me this was a prorated balance that was placed on my account as a result of me canceling my services to early. 

When I asked for proof they said they emailed it to me on XXXX and XXXX. I advised that I never received an email or any other documentation. They did not care and demanded I pay the amount. 

I agreed and asked how soon would it take for it to be removed from my credit report. The representative, XXXX XXXX XXXX said it would never be removed from my credit report. 

I have contacted XXXX XXXX. It is confirmed there was a mistake on the cancelation date and that the rep who terminated my services did not put my forwarding address in the account or make any notes like they should have. The balance stated as owed is inaccurate and I have never been provided an opportunity to correct this or pay any amount owed prior to it being placed and adversely effecting my credit report/rating.
Consumer complaint received 2019-02-27
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. (NC)

My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TIDEWATER FINANCE COMPANY, INC. (VA)

I purchased furniture last year and was approved for a loan through XXXX XXXX XXXX. It was marketed as a one year interest free transaction. After the year ended they went back and charged me interest for the entire year that was marketed as a " no interest period ''. They charged me on a balance I have already paid. I feel that this has violated my rights. I still have the marketing material AND the TIL Disclosure that was given to me and NO WHERE on it did it say I would be charged interest for the entire year that I have already paid. I feel mislead.
Consumer complaint received 2016-06-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

Citi cancelled my card because i 'm not using it, and Citi now requires me to call them to get my awards, but they wo n't answer their 24/7 number for retrieving awards. I had stopped using their card because it was useless. I have been a cardholder for more than a decade. My account was fully paid. They appear to want to deny me the ability to claim my awards. Can you help? 

I sent them an e-mail saying that I would report them in 24 hours, but since they claim to be 24/7 and I have n't heard from them, it made sense to go ahead and let you know.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Patient Accounting Service Center (NY)

Arstrat Debtor information and payment online options not available. 
Debtor unreachable only by mail. I feel unsafe mailing out checks to this business not endorsed by the XXXX. Their is no way for me to check my balance by automated system. I dont know any up to date information regarding this account. I have no confirmation of payments made.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Trans union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is now suffering as a result. No notice was given which is also a violation and I am requesting that ALL inquiries be removed.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-27
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. (NC)

My wife and I sent an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond in 30 days, but have not. Our follow-up letter has also been ignored.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

Citi mailed me, to my home address, a pre-approved credit card application. When I completed it, Citi turned me down because ( as they explained over the phone ) they could n't verify I lived at that *very same home address*. They put me in a Catch-22 : they mailed me an application with my name on it and then disbelieved that I live where they mailed it. My complaint is not that I was denied credit. My complaint is that, thanks to the denial, there 's now an unfulfilled request for credit on my credit history. Citi should not be sending out applications that are doomed from the start to be denied.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I was offered to get an interest charge credit back to me for {$100.00} and {$19.00} for the XXXX XXXX statement for 2017. I have gone over this with various folks that this was offered to me for a courtesy as promos were not applied properly at checkout times. This was confirmed by a rep for the credit card and now they send me multiple messages stating the below answer. 
( Thank you for your recent inquiry regarding your Walmart account, and the opportunity to be of service to you. 

We have completed our investigation of your inquiry and have provided you with the resolution. Unless you have additional information, we have no choice but to consider this issue resolved. If you do have new information that may assist in our review, please call us at XXXX or send any additional documentation to the address listed on your billing statement. 

We appreciate you as a valued Walmart customer and hope you will continue to shop with us. 
If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at the toll-free number below. )
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The summary of this complaint is that my credit card company Capital One, coerced me into making a late payment when I was asking for a due date extension I was entitled to. By giving me incorrect information, not notifying me of my right to extend the due date of my bill by one whole billing cycle and not informing me that my interest rate would be severely affected, the Capital One agent directed me to make a late payment resulting in the interest rate of my account to go up from about 6 % to 23 %. 

On XX/XX/2021, Capital One was contacted to extend due date of the credit card bill. The extension was needed because customer was experiencing Covid-19 hardship issues as well as having his wallet stolen a week earlier which Capital One had been notified about and had issued a new account number since. When asking for just a one week extension, the Capital One agent iterated that there is definitely no way to do that even if I was experiencing financial hardship and had very recently had my wallet stolen. The agent directed me to make my payment late and then call back after to get a {$39.00} fee re-credited. She made no mention at all of the late payment changing the interest rate and insisted that there was no option of extending the due date as was later found possible. 
When the interest rate increase was discovered, Capital One was contacted to get the misunderstanding and mistakes THEY created cleared up. After numerous attempts and hours of trying to communicate with Capital One, eventually they said they would listen to the recorded conversation and get back in touch for resolution. When they contacted me back, they lied and said the agent had not misdirected, misled or given me wrong information so I asked that we listen to the recorded conversation together to confirm their claim. They then said that they are not allowed to let me hear the conversation and gave no actual reason why. The reason was clear ... 

This is an egregious situation as I called them for assistance and not only did I not get the assistance I was entitled to but instead they victimized me as described above!
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

We have submitted XXXX different applications for modifications XXXX with XXXX with no response 1st application was XXXX/XXXX/XXXX. The second application was submitted in XXXX XXXX but was closed due to insufficent documentation. We were never notified from servicer that they were requesting addidtional documentation. Last submission was XXXX XXXX XXXX, as of today 's date there has been no response from servicer.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

USAA is in the practice of : Depositing personal checks via their mobile app. 
The funds are deposited and the app will inform you the funds are available immediately. 

USAA then claims the right to place that deposit on a funds hold at a later date without any kind of notice. The consumer is required to check back in at any random time to find funds are no longer available for use. 

I will then write a personal check to pay a bill, and that check will bounce. I 'll look to find that my money is no longer available to me. My bank has made some unexplained determination that they will hold funds for 10 days. Because my funds were not available they charge me an NSF fee three times. After asking for an explanation, I 'm told there is none, but that I 've agreed to this policy. 

Then they release my funds after all three attempts have been made. 

I find this practice to be fraudulent because I 'm given notice that they have my funds and I 'm not given any notice that they will be held at some point. USAA then takes an action that results in their keeping my money as a result of the arbitrary action they 've taken. This seems very corrupted to me. Despite their claim that I 've consented to this system of abuse, I believe the matter is larger than just my individual experience.
Consumer complaint received 2016-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS (CA)

Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.
Consumer complaint received 2016-05-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

After finding my self 3 months behind on my payments I got in touch with my mortgage co. to rectify the situation and was told not to make payments and to apply for a loan modification. Following this option/answer has now put me almost five years in arrears without ever having an option to the denials afforded to me by the mortgage co. All I got was foreclosure and bankruptcy and now arrears that are beyond my financial capabilities. After filling out about XXXX loan modification packages all Citi mortgage can do is ask me to fill out another application package which will be denied again for the same reason again. Where is the other options to this situation that was caused by Cit Mortgage after I was only 3 months behind.