davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX to verify this information with Discover Card services. 

I am also asking XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (GA)

I closed my account with XXXX phone company in XX/XX/2021 and also paid the balance before the due date. I called their customer service week later and verified my acct. was closed and no balance was due. When the XXXX phone bill arrived I called again and was told again my acct. was closed with {$0.00} due. Despite my acct. being closed, XXXX continued to bill me for several months even though several on-line inquiries and phone calls showed my acct. was closed. 
I was not informed by XXXX that they had sent my incorrect unpaid balance to a collection agency. EOS CCA of XXXX is attempting to collect {$420.00} on behalf of XXXX. The EOS CCA acct. # is XXXX. My XXXX acct. # was XXXX. I have received a collection letter from EOS CCA and replied today to said letter informing them I am disputing this fraudulent debt. 
All my phone calls to XXXX 's acct. cancellation and billing services phone numbers were answered by a contact service in XXXX or XXXX.These service representatives command of the English language was very basic and I have no way of ascertaining if they forwarded my acct. closure requests to XXXX in a timely manner, if they did so at all ; because it seems XXXX only closed my acct. due to the incorrect unpaid balance. 
Thank You for your attention to this matter. 
XXXX XXXX
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My checking account is on an XXXX hold per the bank. I have over XXXX that was direct deposited from my employer and I cant even have access to that. I have been told it would be resolved in 2 weeks and to call back every 24 hours which I have and nothing has been resolved.
Consumer complaint received 2022-10-26
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)

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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  account number xxx ***, 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 instruction
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX 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.

ALLY FINCL 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 2022-10-13
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (WV)

On or about XX/XX/2022, I opened a checking account for the sole purpose of handling my mother 's estate after she passed away. On opening the account I was told that there would be no fees or charges on the account as long as I maintained a minimum balance of {$1500.00}. After the required probate period required by my state ( WV ) I dispersed the funds in the account to the creditors and heirs of the estate with the exception of {$1500.00} of my share to keep the account open for the future sale of real estate as I believe I am required under WV state law. On XX/XX/2022, the account was charged a " RETURN STATEMENT FEE '' of {$5.00} bringing the account balance to a total of {$1400.00}. After noticing the charge on the account I called customer service and after " getting the run around '' for over an hour the {$5.00} fee was credited back to the account ( returning the balance to {$1500.00} ) and it was explained that the charge was due to an account statement being returned to the bank. ( To clarify the account was not charged to create or mail the statement to me but specifically because it was returned by the USPS as undeliverable. ) Then on XX/XX/2022, the account was charged a {$12.00} " MAINTENANCE FEE '' due to the balance of the account dropping below the required minimum balance of {$1500.00} during the previous statement period ( solely due to the bank 's erroneous charges and for less than 24 hours ). I called customer service immediately and was told that the bank would investigate the matter and contact me. The next morning ( XX/XX/2022 ) the account was charged a {$5.00} " RETURN STATEMENT FEE '' resulting in the current account balance of {$1400.00}. As of today ( XX/XX/2022, I have not been contacted by the bank ( Truist )
Consumer complaint received 2022-09-21
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: Advanced Resolution Services Inc. (TN)

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (PA)

XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

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

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

Thanks In Adavance XXXX
Consumer complaint received 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I got the car in XXXX XXXX my first payment on the car wasn't due until XXXX XXXX I paid {$2200.00} on XXXX XXXX for 5 months. I made a payment on XXXX XXXX of $ XXXX also {$25.00} they rejected the payments again on XXXX XXXX, and added on {$75.00} in rejection fees because of stopped payments that I didn't stop. 

I recently made a payment on XXXX XXXX, in the amount of {$920.00} and a rejection payment of {$25.00} also on XXXX XXXX. I seen in my account that PenFed Credit Union had both payments processing in my bank account transaction. On XXXX XXXX I seen that both amounts in my account that was suppose to been taking out for the two payments I made was took out and the amount was reversed back into my account. I call Penfed because I seen on they site I pay the carnote I had two messages stating that it was stopped payments. I talked to my bank and asked why are payments being stooped from my account if I never called to have any payments stopped and my Bank told me it wasn't coming from they end and to contact Penfed and I ''called, PenFed and 'asked '' why my payments was stopped and they said it could of been me or my bank I told them no that was my first time calling my bank too see why my payments keep getting stopped. I even made the payment on the phone with one of Penfed workers and the amount of {$910.00} and a {$25.00} rejction fee.payment was stopped and they added on a {$75.00} rejection fee. So I made a nother payment on XXXX XXXX in the amount of {$910.00} and a payment of {$25.00} on the same day. I'm waiting to see if they gone to accept my payment or reject it and add on extra fees.and say it wasn't on they end. My Next payment is not due until XX/XX/2022 I tried to pay two months so that would made my next payment would of been XXXX XXXX.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As appears in Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX This people are requesting my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. In XX/XX/XXXX I lost $ XXXX untraceable money from XXXXXXXX XXXX Coincidence? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Requested my credit report on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Requested my credit report without my consent on XX/XX/XXXX When I called them to complain about it, they immediately asked for my social security number. Imposible! I didn't provide the number, so they continue asking for more personal information, I just disconnected the call. I noticed they were clearly spam numbers.
Consumer complaint received 2022-09-21
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. (TN)

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX  # XXXX, TN Child Support # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Consumer complaint received 2022-03-06
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. (GA)

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account XXXX XXXX- XXXX
Consumer complaint received 2022-08-13
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. (TX)

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

In XXXX, XXXX Freedom Mortgage raised our payment without notifying us. I addressed this in a XX/XX/XXXX letter. In retaliation to my communique, they performed an additional escrow analysis without the input from the County Appraisal district and determined my taxes are increasing 71 % and therefore my payment will increase again.
Consumer complaint received 2022-10-13
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. (KS)

Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ). XXXX XXXX, account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. I will be filing a complaint with the Consumer Financial Protections Bureau., ( XXXX. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( XXXX. ) XXXX XXXX. XXXX Canceled Debt Is It Taxable or Not? After a debt is canceled, the creditor may send you a XXXX XXXX, XXXX of XXXX showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form XXXX showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form XXXX, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form XXXX. The IRS considers charged off accounts as income and should not be reported
Consumer complaint received 2022-03-06
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. (TX)

I moved to XXXXXXXX XXXX XXXXXXXX Tx, Because of a bad family situation. My personal items have not been sent to me. My dl /sscard /Id were all misplaced. I have not been able to get new replacements yet. I pulled my credit report and i found alot of information that does not belong to me. I never authorized these accounts .There is incorrect addresses, medical sccounts, utility accounts andmore XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXXr acct # XXXX XXXX XXXX ACCT # XXXX XXXX
Consumer complaint received 2022-08-13
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: AutoNation Enterprises Incorporated (AZ)

I had a vehicle financed through CIG Financial. The vehicle was totaled in an accident but the balance owed was paid off by XXXX XXXX XXXX XXXX. I am attempting to get the account on my 3 credit reports taken off because theyre reporting it as a charge off & as a collections. Additionally, they are reporting different information to the 3 credit bureaus ; which I attached a screen shot of all 3 reports. ( 1 ) My XXXX report shows a derogatory mark but that doesnt show on the other two reports. ( 2 ) One shows a charge off and no payment, and ( 3 ) one shows collections ; which did NOT happen, and isnt reported on the other 2 reports.