davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (MI)

The Bureaus stated they investigated my report correctly and accurately which is inaccurate because for all of these accounts listed below i never gave any of them written instruction to furnish anything on my report also i have the right to privacy this grounds for removal. 

15 U.S.C 1681 Section 604 2 : the law clearly states a consumer reporting agency can not furnish a account without, y written instructions. 
I havent given these accounts permission to furnish these accounts on my report. 
15 U.S.C 1681e ( 5 ) information disputed by a consumer, if this information is investigated and still inaccurate it shall be removed by consumer reporting agency 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. 
ALSO THE REPORTING AGENCIES/ DEBT COLLECTORS/BUREAUS OBTAINED PERSONAL INFORMATION ILLEGALLY BECAUSE I NEVER DID IT THIS IS ALSO A DIRECT VIOLATION OF MY CONSUMER RIGHTS. 

THE ACCOUNTS AND OR NAMES BELOW SHALL BE REMOVED FOR DIRECT VIOLATION OF MY RIGHTS AS A CONSUMER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Once again this company is charging me late fees because their auto pay is not working. After the last complaint, I set up autopay again in XXXX to automatically take the minimum payment due. My payment was due XX/XX/XXXX and autopay was on. They did not take the payment and are now charging me a late fee. This is a continuous issue with this company, every other month I have to call them. They have not fixed the issue this month. I want all late fees reversed and the payment to be taken on the due date!!! Stop overcharging me for their system failures.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit report, I have discovered that XXXX XXXX XXXX ( Account Number XXXX XXXX ) has been added back to my report after I disputed the inaccuracy of the account in the past and had it removed. This unexpected reinsertion of the item is in violation of the Fair Credit Reporting Act ( FCRA ), which states that an item can not be reinserted onto a credit report without written notice by a credit bureau to the consumer within 5 days of the reinsertion. As such, I demand that this account be deleted from my report immediately in accordance with the FCRA. 

Please send me an updated copy of my credit report once this account has been removed. Failure to take appropriate action will result in legal action. I am well aware of the rights granted to me by the FCRA, and I intend to see that my rights are respected. Thank you for your attention to this matter.
Consumer complaint received 2022-05-31
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. (UT)

Today, I noticed a drop in my FICO score from XXXX to XXXX. I investigated what caused the drop and discovered that XXXX had reported my account as delinquent at least twice over the last few months. I paid my XXXX card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card. 
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired XXXX card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge. 
As I was not aware of the {$6.00} charge, and do not monitor the XXXX account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my credit score. 
It is my belief that XXXX intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is XXXX and will cough up a few months of fees to avoid the hassle to resolve it. 
My complaint would be with both XXXX for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods. 
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my credit score, or the {$48.00} XXXX charged me ( snickering all the time, I suspect ). 
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my credit score means nothing to these behemoths.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX has been sending letters about a debt that I do not owe them. They have not substantiated this debt but yet continued to report this on my credit report. I have written letter after letter to them with a request to validate this debt with them, documentation that I signed any agreement with them, or that I have done any business with this company. 
I have never done business with XXXX XXXX before this. They have not shown how they calculated this debt. 
This debt was removed from my report and after approximately 30-40 days was readded again.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (WI)

PenFed offered a {$250.00} incentive to open a checking account. The incentive wasn't paid. There was a condition that 3 consecutive loan payments had to be made from the new account, which I did. The first payment did not come from the new account, although I had set this up in online banking to come from the new account. The fact that it didn't was an error on PenFed 's end, and the customer service rep that I talked to acknowledged that, and said it won't affect the incentive payout. I even paid the loan one month ahead to stay compliant with this requirement. When it came to receiving the payout, PenFed refused to pay, citing the 3 payment requirement that hadn't been met. Their statement is not only incorrect, but also doesn't own up to their own mistakes.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Below is what I sent to Selene Finance : On the purchase of my investment property, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, my loan originated by XXXX closed in XX/XX/XXXX- As you know, Selene Finance purchased the mortgage loan and/or servicing rights from XXXX Mortgage in XX/XX/XXXX - XXXX taxes to the city of XXXX XXXX were due on XX/XX/XXXX which Selene never paid, even though it was required by both law and the loan documents for an escrowed loan. As you are also aware, I was unaware of that until applying for a Certificate of Occupancy in early XX/XX/XXXX - In order to complete the CO process, I had to pay the taxes myself ( copy of payment attached - reference payment on XX/XX/XXXX ) and expected a reimbursement from Selene Finance while you figured out why you made this error - For over a month I have spoken to a number of customer services reps and team members in your tax department and continually get a run around. Your responsiveness and customer service is clearly failing the baseline requirements of TILA, RESPA, state law, and the XXXX UDAAP requirements. 
- You told me that according to RESPA that Selene wouldn't have been able to pay the XXXX taxes as there is a 60 day review process and that XXXX would be responsible for that, which my lawyer said is not correct in the first place and additionally at this point it's been well over 60 days - However, you also said that you'd work to get me reimbursed and then contend with XXXX on the other end of the corporate dispute. 
- It's been over a week and still no resolution has been made. And this is after months of disputing this issue with Selene.
Consumer complaint received 2022-05-31
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. (TX)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2022-09-18
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)

Transunion has continuously violated my federally protected consumer rights. Your company is violating me as the consumer by furnishing inaccurate, unfairness, and privacy information on my consumer report without my written permissible purpose pursuant to 15 USC 1681b ( a ) ( 2 ). I am a victim of identity theft from the XXXX data breach, your company is furnishing and reporting a FRAUDULENT account on my consumer reports. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so properly the past several months. I'm demanding you to block the information reporting no later than 4 business days pursuant to 15 USC 1681c-2 ( a ). Remove and block the XXXX XXXX XXXX account from my credit report immediately. I have provided all required documents such as proof of identity of consumer, a report, ID, and a statement. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' 15 USC 1681c-2 ( a )
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter to XXXX  asking for : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail ' so that there is an independent " witness to it having been delivered. '' However, according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 payment was sent to XXXX & XXXX XXXX XXXX bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The Credit Bureaus have become negligent of their federal duties and ignored my requests for the removal of the disputed fraudulent accounts and information. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not only ignored my requests and continued the erroneous reporting, they have claimed that the disputed items are verified and are reporting accurate information. Once again, I am submitting this XXXX complaint requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021. If the Credit bureaus insist that the disputed accounts and information belong under my name, I am requesting that the Credit Bureaus provide me copies of proof of verification or any documents bearing my signature. If the Credit Bureaus can not prove the documents I seek, deleting the disputed items is greatly appreciated.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any response. I open my paypal account via this XXXX  id ( link with my paypal account ) XXXX.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The Credit Bureaus have become negligent of their federal duties and ignored my requests for the removal of the disputed fraudulent accounts and information. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus have not only ignored my requests and continued the erroneous reporting, they have claimed that the disputed items are verified and are reporting accurate information. Once again, I am submitting this XXXX complaint requesting that the Credit Bureaus remove the disputed fraudulent accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX B XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX XX/XX/2021. If the Credit bureaus insist that the disputed accounts and information belong under my name, I am requesting that the Credit Bureaus provide me copies of proof of verification or any documents bearing my signature. If the Credit Bureaus can not prove the documents I seek, deleting the disputed items is greatly appreciated.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I called Credit Collection Services, they have reported on my credit report that I owe money on two accounts that I have no knowledge of. The first account is reporting that I owe XXXXXXXX XXXX and it was opened on XX/XX/XXXX. The second account is XXXXXXXX XXXX and it was opened on XX/XX/XXXX I have no knowledge of these accounts and I called Credit Collection Services at XXXX to get a Validation Letter and the phone number given is not a working number that is the only number given.
Consumer complaint received 2022-09-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

My loan was transferred from XXXX to XXXX back in XXXX. I started to notice that my credit score was going down XXXX points each month to the present. I received a letter from them stating that my loan was set back into repayment and into forbearance. Since I applied for the borrower defense. You can see the capitalization interest they have prepared on the loan. Plus they are now reporting that I'm not making payments on my loan. I never once contacted them to have my loan put into forbearance through the repayment process. You can look through the applications on the borrower defense and I indicated I don't want it in forbearance while it's under review. Overall, my current student loans should be under forbearance, but that is for the Covid relief back in 2020 at zero percent interest. Under the current law, my credit shouldn't be affected at all. XXXX keeps reporting to all the credit bureaus for the non-payment, which is hurting my credit on a monthly basis. I tried calling them and can't get a hold of them through their customer service department. The current hold times are over 2 hours long. Therefore, I can't get anything corrected with them.
Consumer complaint received 2022-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is constantly disregarding my disputes they are only disputing two account at one time when I have sent them several accounts to dispute. Inaddiition it is taking them well more than 30 days to give me an update... .they are failing to investigate my inaccuracies. Certified letter XXXX this was mail off on the XX/XX/22 they have received it on the XXXX but I spoke with a rep they said they received it on the XXXX of XXXX and its only XXXX accounts disputed I am disputing well over XXXX accounts I sent them a XXXX page documents which they threw away.. I also have pictures of the information I put in the folder. This is not right that they are taking me as a joke... .and not complying.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under any open end consumer credit plan as late for any purpose.