davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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. (GA)

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MN)

I was really hoping Macy 's had changed their bizarre practice of charging XXXX dollars after a balance is satisfied. I 've had a Macy 's card previously ( and currently ), paid the XXXX dollars after my total balance is settled, only to be charged XXXX dollars in subsequent months. When I 've called in the past, it has been explained as interest for the first month, and then a " mistake '' in the following months. The only way to stop the charge is to call and ask for it to be credited back -- and then I get charged again in the following month. I have found the most effective way to deal with this fee is to cancel the card completely. Luckily, I pay attention to my bills. If I were another consumer who did n't, Macy 's unfairly sets them up for late fees and additional charges that can impact their credit score. 

Thank you, XXXX
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MA)

I have tried to cancel my Macy 's Card on several occasions. They continue add {$2.00} fees and say the account is open. The balance is {$4.00}. I would pay the {$4.00} but they have shown in the past that they wo n't close the account. This seems very dishonest. Can you help get the account closed and not affect my credit?
Consumer complaint received 2018-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dickinson Financial, LLC (UT)

This debt had a judgement placed against it originally XX/XX/XXXX. I made several different payment arrangements with this creditor and was paying $ XXXX/month as well as other random amounts from the time of judgement until XX/XX/XXXX. This was an auto payment coming out of my account but apparently it lapsed in XX/XX/XXXX. In XX/XX/XXXX I contacted them and when discussing the last payment I asked for information regarding the original amount of the debt, the amount I had paid thus far and how much more remained in the balance. I was told I would be sent an email detailing this information. I have never received an email from them and it now almost XX/XX/XXXX. I have not received a call back despite leaving a voicemail for XXXX, with whom I've been working. They're website where you make a payment also do not show remaining balances or something showing you how much has been paid so far. I feel that after 8 years paying on something that was originally a less that {$2000.00} debt, I've more than paid this off. I want it off my credit and for the account to be closed and no longer have a negative impact.
Consumer complaint received 2016-05-25
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX has been pursuing debt collection activity that they alleged was transferred from Bank of America, Loan XXXX. 

The loan XXXX transferred from Bank of America had a zero balance. 

On XXXX XXXX, XXXX, XXXX indicated the loan was past due and in default of {$80000.00}. 


On XXXX XXXX, XXXX, XXXX 's statement indicated the loan is {$100000.00}. 


Here 's a timeline of the controverting issues on the Loan XXXX XXXX is pursuing debt collection activity : 1. On XXXX XXXX, XXXX Defaulted loan in the amount of {$80000.00}, past due since XXXX XXXX 2. On XXXX XXXX, XXXX, XXXX sent me a letter stating they were abandoning the acceleration of the maturity of the indebtedness. 

3. On XXXX XXXX, XXXX, XXXX Mortgage Loan statement indicated there 's a balance past due of {$100000.00}. 

4. On XXXX XXXX, XXXX, XXXX reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX 5. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX 4. Past Due amount {$110000.00}
Consumer complaint received 2016-11-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XXXX XXXX, 2016 my father died. He had a certificate of deposit with Bank of America. My brother and I qualified as co-executors of his estate and on XXXX XXXX went to a local branch of Bank of America to close his account with our proper identification, a death certificate and letters testamentary issued by the court authorizing us as personal representatives of the estate. We were not allowed access to his account and were told that a " case manage would contact us within a few days to give us our options ''. I am an probate attorney who regularly closes accounts at various banks in North Carolina and I have never been denied access to an account when presenting the proper documents.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

My TD bank debit card was used fraudulently while the card was still in my possession. The scammer used my debit cards information and made several transactions totaling {$7900.00} made to XXXX Resorts and XXXX. The transactions were itself suspicious in nature, yet no action was made to stop the transactions from going through. I started a fraud claim with TD Bank on XX/XX/XXXX and it resulted in the bank denying any fraudulent activity had taken place. 

List of fraudulent transactions : XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$530.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX Resorts - {$1000.00} XX/XX/XXXX - XXXX - {$300.00} XX/XX/XXXX - XXXX XXXX {$610.00} XX/XX/XXXX - EVI XXXX - {$1000.00}
Consumer complaint received 2018-05-30
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. (FL)

I hope you can help me. There is an account that continues to report in my credit file that actually belongs to my father. I don't know if its the bureaus not doing their job or this collection company that continues to report the incorrect information but it still appears on my file after disputing it several times. The company 's name is XXXX XXXX XXXX XXXX account number the bureaus are reporting XXXX and the company name where it originated was XXXX XXXX XXXX XXXX. I contacted them personally and they verified it did not belong to me and doesn't understand why the collection company would report this. Which also makes me question if the bureau actually researched the item.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX Mortgage is attempting debt collection activity on an account with a zero balance. They have consistently reported incorrect balances, history and status of this account to the credit bureaus. On the XXXX report the balances indicated zero balances. However, on the Experian and XXXX report it reflects amount past due exceeding {$100000.00}.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error submitted dispute to Experian on XXXX/XXXX/XXXX and no answer : 1. The inquiry was not authorized XXXX XXXX Account Number : Please remove it from my credit report. 

2. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The information is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4.The information is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Consumer complaint received 2016-03-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I purchased a vehicle in XXXX. I pay online on the Nissan Finance website. I am being charged late fees if I do not make the payment 10 days before the due date. Example, my car payment is not due until XXXX/XXXX/2016 so I logged in today ( XXXX/XXXX/2016 ) to make the payment. I my payment increased for next month with the late fee already in place. It does not seem legal that if I am paying online and before my due date that I am charged a late fee.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-11-26
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. (FL)

Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and XXXX XXXX automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for XXXX XXXX reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

Thanks, XXXX
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (TX)

I've sent a ftc report in regards to unauthorized fraudulent inquiries that equifax refuses to remove under the FDCPA laws I request to have these inquiries removed immediately. I mailed certified Mail in which equifax received all requested documents on XXXX/XXXX/2021
Consumer complaint received 2021-11-26
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. (AZ)

I received notice from credit monitoring service that hard inquiry was placed on my account for Application for credit card with XXXX XXXX. I did not authorize or no anything about this. It is fraudulent and I want who ever did this caught and my credit report repaired.
Consumer complaint received 2022-01-05
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: Early Warning Services, LLC (GA)

Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX  XXXX XXXX stole my personal info and over 5 months later behind my back reported me to Early Warning that I had committed fraud. Early Warning then sided with the fraudulent bank branch and put my name in Early Warning for " suspected fraud '' after reviewing info from XXXX XXXX XXXX showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, Early Warning continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Consumer complaint received 2022-01-05
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)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX  FOR XXXX XXXX XXXX  Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor
Consumer complaint received 2015-05-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (FL)

I 'm on monthly payments under Bankruptcy Chapter XXXX to stop the foreclosure, my Attorney try to get Loan Modification and the Bank denied all the time, which I 'm paying very high APR XXXX since XX/XX/XXXX.XXXX on XX/XX/XXXX sold the mortgage to Seterus. I would like to know if qualify about the high interest or some thing else.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

We have two zero-interest promotional balances on our XXXX XXXX card issued by Comenity. Early in the process of paying the balances down, I called the card issuer and confirmed over the phone that their process was to 1 ) apply the minimum payment to each balance, and then 2 ) apply any extra funds to the promotion that would expire first, which is standard practice for any card I've had a promotion with in the past. Over the next number of months, after I spoke with them, I made over-the-minimum payments to pay down the balance that was set to expire in XXXX, but when I checked my statement I saw that they had not been applying the payments correctly. They were applying the smallest minimum payment to the balance that would expire first and everything else to the newer balance. I called them to try and rectify the issue, and they transferred money from one plan to the next for the incorrectly applied past payments, but when I asked them about future payments, their solution was for me to " call every time I make a payment to ensure it gets applied correctly, '' which I have been doing every month since then. The oldest balance expired on XX/XX/2020, so in an attempt to make sure it was processed correctly, I made the payment over the phone with an agent and told her exactly how to apply the payment. She assured me it would be done correctly and the balance would be paid off before the expiration date. I called back again a few days later, still before the expiration date, to double-check that it was done how it should have been. This agent told me she saw the notes in the account from the previous agent and assured me it would be processed correctly, but there was no way for her or me to see that until a new statement was issued. This morning I received my new statement, and of course, they have applied the smallest minimum payment amount to the balance that expired in XXXX and everything else to the newer balance and charged me interest on top of it. They make no apologies for processing my payments incorrectly, despite the multiple calls I make every month, and they certainly don't seem to do anything to rectify the issue going forward. I'm trying to figure out why it's my responsibility as a consumer to call a credit card issuer *every month* to make sure they apply my payments correctly *per their own policies* AND still get charged interest because *THEY* can't get it right. This is a predatory practice and takes advantage of consumers, even responsible ones who are doing everything they can to manage their finances appropriately. I have had no satisfactory action taken in response to my complaints directly to the issuer.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the 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 statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2016-11-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

the 3rd party collection agency refused to send me a 30day notice and continue to harrass and call me every other day without ever sending me proof or a letter ever to dispute the bill. I had to look up the company to send out a letter to them and they still continue to harrass and ask me for money saying the account belong to me cause they sent a copy of 2004 statement.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Credit & Collection Corporation (CA)

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I obtained a copy of my annual credit report XX/XX/XXXX. The debt listed below is not on my credit report. I obtained a copy of my credit report from XXXX XXXX on XX/XX/XXXX. My credit report indicates I owe {$35.00} dollars. The debt collector is XXXX. Original creditor is XXXX XXXX XXXX XXXX. I unequivocally do not own {$35.00} dollars. XXXX reported the debt. I am requesting the company remove the inaccurate statement.
Consumer complaint received 2015-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (TX)

We pulled a copy of our credit report and noticed a debt from National Credit Systems. It was a debt collection for an apartment we stayed at years previous. We sent XXXX debt validation letters to them and have received partial responses back with little to no information accurately verifying the balance of the debt owe. Please assist because we are prepared to file a lawsuit against them.
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.
Consumer complaint received 2022-01-05
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)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.