davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with SELF FINANCIAL/LEAD BA was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SELF FINANCIAL/LEAD BA never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2022-09-11
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. (IL)

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

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TX)

I have sought to have my physical mailing address removed from Discover Credit Card services. I am not a customer, nor do I every intend to be, and after receiving new credit card solicitations addressed to former owners of my current home, I called the number provided to opt-out of the unsolicited mailings. I have placed calls to Discover Credit Card XXXX and conveyed my request to be removed on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. 

During the last call on XX/XX/2022, I conveyed that we had past the 90 day time frame from my initial request to be removed and now I will be submitting a complaint to consumer financial protection bureau. The response was that each of my requests could have reset the clock for that 90 day time frame. 

My concern is that this request to be removed and the 90-day time frame could be reset with every request I have made. This could include the numerous different credit cards offered or call-back numbers given, and may include other services offered by Discover such as student loans ( which I stopped receiving after my XX/XX/2022 separate request to be removed ). Additionally, the mailers will use different variations of a name for the previous owners of my home. For example, XXXX XXXX versus XXXX XXXX XXXX XXXX. So the promotional material will likely not stop and the costs to dispose of/recycle their paper mailers is passed on to me and my household. Despite having already signed up under XXXX and numerous other websites, I still receive offers under various names and previous owners. 

My request is for Discover and its affiliates to remove my physical mailing address from any and all promotional materials and stop the disclosure of my mailing address to third parties, no matter what name is used/addressed.
Consumer complaint received 2022-07-20
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. (MI)

In accordance with the fair credit reporting act XXXX account has violated my rights. 

XXXX : Account # XXXX 15 U.S.C section 602 A states i have the 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 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (NY)

I have direct express which my XXXX is deposited, The government says they deposited my stimulus but direct express never made those funds available. They have lost money by not transferring it to the next month statement. I have called them several times and have gotten no were they have hung up on me or made me wait on the phone for almost 2 hr only to hang up on me again. 
They are fraudulent-
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I notice XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud
Consumer complaint received 2020-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

I've made numerous attempts to communicate with Midland about this debt that supposedly belongs to me. I have never signed any legal documentation to pay midland credit or the company they say they represent. They have failed to supply that information. The only information that they have supplied is a copy of a statement.
Consumer complaint received 2022-09-03
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2022, I asked an XXXX XXXX agent to provide me with a link so that I could upgrade my XXXX XXXX  account to an XXXX XXXX  account. I told an online XXXX agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online XXXX agent, this conversation is in writing, where I expressed many times to XXXX XXXX that I did not intend to open a new account. Days after clicking and signing the link XXXX provided me, I noticed that in addition to having my existing account with XXXX upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called XXXX customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next XXXX years, I will have this opened and closed XXXX XXXX account ( Dated XX/XX/2022 ) on my credit report, which XXXX opened against my wishes. I would like this removed immediately from my credit report, and XXXX should work with me in this process.
Consumer complaint received 2020-10-31
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. (NE)

I had a credit inquiry to Experian from the Small Business Administration and I did not initiate the inquiry nor am I applying for any loan or services with the SBA. The report was initiated on XX/XX/, 2020.
Consumer complaint received 2020-07-16
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. (CA)

I have contacted Transunion several times regarding the unauthorized credit inquires. I called the companies listed and their response we dont have that information contact the bureaus directly which I been doing this is the 4th time. Please delete these inquires off my report as its a against the federal fair credit reporting act to report wrongful information. I have contacted this company XX/XX/2020, XX/XX/2020, and XX/XX/2020 with no results or notice. I provided my current electric bill and ID every time these letters were sent so theres no reason why I have been ignored. I kindly ask, please resolve this issue.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Cc : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Subject : chase checking account fraud urgent escalation, {$2000.00} fraudulently disappeared via XXXX account Attn : Chase Executive Team I need urgent escalation in regards to missing {$2000.00} funds from my checking account that disappeared from my account to some weird XXXX  area code numbers in two transactions on same date. I been trying to seek help from Chase for two weeks without any luck, when I contacted XXXX  they said unable to assist I need to speak to my financial bank. I took preventive measures changed my chase password, removed XXXX account from my profile but it doesnt help me to recover stolen funds that hackers sent via XXXX to two unknown XXXX numbers with same individuals name but thats what law enforcement and your fraud department needs to work on. 

I need your fraud department to do better job with their investigation and cooperate with XXXX fraud dept figure out how it happened and to make sure funds recovered without delays. I been loyal chase customer for many years never had issues and always knew chase have my back. I am shocked to receive below letter instead of funds back to my account. 

Let me know if Chase escalation team can resolve this and make sure funds are recovered back to my checking account otherwise you leave me to no choice to contact Federal Consumer Protection Agency, NY State Banking Department to assist me to make sure this fraud is traced properly and my funds recovered complaint on record about Chase and XXXX handling consumer fraud investigation poorly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX
Consumer complaint received 2020-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got scammed by someone who sent me a check to purchase an item I listed on XXXX. They asked me to pay forward part of that amount to another party as moving charges ( shipper ). I deposited the check in my bank of america checking account and they credited the amount. Based on that I made a XXXX  payment of {$960.00} to the so called shipper. Six hours later the check bounced. It was a fake check as I found out later. When I asked bank of america why the amount was credited, they said it is a normal practice to do so in good faith for their good customers. I was shocked because I had made the forward payment based on the assurance that the credit was done. Later that amount was debited from my account along with a fee for failed check. Bank of America takes no responsibility for this practice which they admitted they are aware that scamsters misuse. They know of this fraud..it is very common yet they are not changing this practice.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid an escrow balance over the course of many months. I actually overpaid slightly, and Bank of America sent me a refund check for the overage. Two months later, Bank of America now says I have a balance and is charging me a monthly fee. I have attempted to call them numerous time and sit on hold for over an hour without an answer. I am unable to go to an office because they are closed by the time I am off work
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (FL)

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

15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-15
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I paid the account off. I was later told that there was a financial charge that was applied after I paid the account off. I then made that payment. Now each month they are charging me a finance charge when I totally paid it off. 

I have called and got a very rude rep that would not hear what I was answering.
Consumer complaint received 2022-09-12
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: Nelnet, Inc. (MI)

Based On 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VILOATION Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account : XXXX XXXX XXXX XXXX Account : DEPT OF ED/XXXX  XXXX
Consumer complaint received 2020-10-31
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. (MD)

Experian is reporting 2 XXXX accounts. Accounts already proven inaccurate and removed from other bureaus and involved in litigation due to noncompliance. 

No information has been given to me. XXXX has not contacted. I do not owe this account. It's been over 180 days and no information given nor sign of investigation
Consumer complaint received 2020-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MT)

Hello, Yesterday I sent XXXX XXXX to a friend in XXXX. 
I checked my bank account and saw that paypal had debited the amount twice not once. 
I have tried and tried to call and message paypal and can not get anyone on the line or to help me fix this issue. 
I have phone my bank and they are working on it from the banks end. 
I was also charged XXXX for going over into my overdraft and want this credited to me. 
I can not get paypal either on line or on the phone to fix it. 
Thank you, XXXX XXXX
Consumer complaint received 2022-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

XXXX School loan should have been in forbearance due to COVID. They continued to take out payments from checking account during the forbearance period totaling {$2300.00}. 
I notified Ed Financial the loan servicer and they told me they would check into it. I asked for a refund of the above amount back to me and to put that balance back on the loan. They said they would put in the request and asked for me to write a letter stating that information and asking that the forbearance be granted and the refund be given to me. 
I submitted the letter online on XX/XX/XXXX. 
I was told I would be notified within 7-10 days. 
Today, XX/XX/XXXX I contacted them stating I had never heard from them and they said that XXXX the lender had denied the request and there was nothing that could be done. 
I contacted XXXX and they told me the loan should have been in forbearance starting XX/XX/XXXX and they had that on file and did not know why those payments continued to be taken out. 
They said they could do nothing at this time.
Consumer complaint received 2020-10-30
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. (CA)

i have sent Experian and XXXX, XXXX  XXXX more than enough supporting documents to block these fraudulent accounts that do not belong to me. i have sent them FTC reports and police reports regarding my identity theft and they have not removed these accounts. i do not know open these accounts but everything is attached to my complaint in my supporting documents.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Received numerous phone calls from Portfolio Recovery Associates but never a voicemail with any information. Emailed company for verification and never heard back. Finally received written notification of supposed debt owed but stated that original debtor were two other companies before it was sold to PRA. No detailed information from previous companies, no dates of when account was opened, closed, payment record or credit limits, etc. Very vague. XXXX credit report shows collection from PRA but also does not have any detailed information to determine debt is legit. I do not recognize this account as being mine.