davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: InDebted Corporation (CA)

XXXX and Indebted USA have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent XXXX, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. XXXX remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports.

Furthermore, I received a collection letter from Indebted USA, demanding that I send in a payment for a past due amount. I do not have a contract with Indebted USA. 

XXXX and Indebted USA have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) 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 ; 15 usc 1692b ( 4 ) not communicate by post card ; 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 that a consumer reporting agency can not furnish a account without my written instructions..
Consumer complaint received 2022-01-19
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (CA)

I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called First Credit Services and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how First Credit Services can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recently notice that my credit report is showing an 30 day late payment on XX/XX/XXXX. Today is XX/XX/XXXX, how can this be? Can you please help me correct this? Ive made a payment yesterday ( which Ive done before ) to get caught up and this has never happened. 

Thanks in advance for your help, XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC is selling it's branches on the XXXX XXXX to XXXX bank effective XX/XX/22. 
They are keeping depositors that have at least {$75000.00} in their accounts with HSBC instead of transferring them to XXXX  if the account is labeled as " XXXX ''. 

I have more than the minimum in my accounts with them in an " Advanced '' account. HSBC states that the account must be labeled as " XXXX ''. I have asked them to change the account to XXXX and they have refused saying it is too late. I did this early in the year when they announced the sell off of their branches. 
My complaint is that they should not have kept the date to switch to " XXXX '' secret. This would have allowed depositors time to make the switch. 
Also, when I ask details about my existing automatic deposits and payments, 7 year history of transactions and my list of payees for checks and if all of that would transfer to XXXX bank, they state they are not sure. They want me to wait until sometime before XX/XX/22 for that information to be provided. This is completely unacceptable and is a poor way to treat depositors who have been with them for decades.
Consumer complaint received 2019-01-12
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. (KS)

Please be advised over the past 4 months I have filed 4 complaints and this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX  ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MA)

I purchased an engagement ring and wedding bands from XXXX XXXX on XX/XX/XXXX. This purchase was made over the phone by and between me and a sales representative at XXXX XXXX at their online store. My plan was to pay for the total purchase of {$10000.00} with my own funds by using my debit card, however the sales representative asked me if I was interested in applying for a XXXX XXXX credit card with either option at ( i ) zero interest rate for a period of one year or ( ii ) a lower rate at 9.99 % APR for a period of 60 months. I was hesitant to apply for this credit, but the idea of zero percent interest for a year was appealing especially as we had a wedding coming up and related expenses. I did have sufficient funds to pay for the entire purchase, but I opted to apply for the credit card and agreed to pay it within one year at zero percent interest. On XX/XX/XXXX I received the XXXX XXXX- XXXX  credit card statement and noticed that there were added interest charges in the amount of {$1800.00} on my balance of {$1500.00} and I immediately called XXXX XXXX to speak with a supervisor to question the interest charges. I thought this was a mistake and couldn't understand how {$1800.00} was computed on such a low balance. I was told that the charges represented a years worth of accrued interest. I explained that I expect to see interest charges on the balance of {$1500.00} and didnt even know at what the interest rate these charges would be. I immediately paid the {$1500.00} balance and ask the Bank to either waive the {$1800.00} interest since I was only month out of the promotional period or reduced to interest to be a charge on only the balance of {$1500.00} and not the original charge of {$10000.00}. 

I dispute the {$1800.00} interest at 29.99 %. I believe that the representation made over the phone the day I purchased the rings was misleading. The Bank 's practices of offering a promotion at zero percent and to than charge accrued interest for an entire year while all along the bank has {$8600.00} of my money seems illegal and an unfair practice. How can I be charged interest on money that I gave to the financial institution and its in its possession for the past year? 

All I have are copies of monthly credit card statements and though the last statement states that Minimum payment amount by the Payment Due date shown on this statement, to avoid accrued interest charges. The " accrued interest charges '' isn't clear that I would be charged accrued interest on the remaining balance ( {$1500.00} ) or on the original balance of {$10000.00} at 29.99 percent.

Thank you.
Consumer complaint received 2022-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

Over the past several months I have attempted to contact Fed Loan Servicing multiple times to ask questions about my loans. Each time I have called, I am on hold for no less than 2 hours. On multiple occasions I have finally gotten through to someone, only to be hung up on or placed back in the cue to wait hours again. 

The most recent instance of this happened XX/XX/XXXX, when XXXX, ID number XXXX, said she was going to place me on hold, and I was then sent back to the cue to wait another hour and a half. When I finally got a person on the line, she was rude and unhelpful, did not answer my question, and hung up on me. Her name was XXXX, ID number XXXX. 

I have multiple payments under PSLF that have not been counted correctly, and it has been impossible to speak with someone in advance of the XX/XX/XXXX XXXX waiver deadline. Additionally, Fed Loan Servicing constantly rejects or inaccurately reviews employment certification forms, forcing me to constantly call to fix it. For example, I submitted an employment verification form in XX/XX/XXXX that shows I have been working for my employer since XX/XX/XXXX. All of those payments were counted, except for XXXX XXXX XXXX with no explanation, other than utter incompetence. Additionally, in XX/XX/XXXX I was told I could make up for non-payments if I was with a qualifying employer during those dates. So I made a payment for XXXX and XX/XX/XXXX, and the XX/XX/XXXX payment was rejected. I have been unable to reach someone to ask why. 

I am requesting CFPB to connect me with someone who can review my PSLF and answer my questions, as well as correct the missing payments so that they show correctly and my payment count is accurate. There will be a new servicer soon, and I can only imagine the chaos we as borrowers will need to endure. We can not even trust the current servicer to manage the PSLF correctly, I imagine the transfer in servicer will not be a smooth one.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

Credit agency will not update my personal information correctly they are not following my consumer rights. I mailed 2 letters they updated both times but still left information that does not belong on there because it is inaccurate. The names on my report is inaccurate cause they are not spelled right. The address on my report is inaccurate, cause I DO NOT live there anymore, I am not reachable at the other addresses, I would like to prevent identity Theft. Also I no longer work for that employer.
Consumer complaint received 2022-06-04
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)

XXXX XXXX XXXX XXXX a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both XXXX XXXX XXXX to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (IL)

This was not sent in error, I am XXXX XXXX, a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items and information
Consumer complaint received 2023-02-27
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. (LA)

On XX/XX/XXXX I contacted XXXX  XXXX  about a student loan that has been transferred from them to Debt Resolution and then transferred to XXXX. All three times the loan was reported to the credit bureaus, which made it appear that I owe more than I actually owe on the loans. I spoke to a loan processor and explained to him that XXXX XXXX  double reported and also made false claims that I maid some payment and missed some payments when I have never made a payment to XXXX XXXX. It was reported that I made and missed payments between XXXX XXXX. With XXXX being the last time that XXXX XXXX reported. I was told by the loan processor that my issue was above his pay grade and that it will be falling off in a couple of months and that I should let it fall off. He was able to see where ithe incorrect information was reported to the credit bureaus and he then transferred me to someone else that could remove the information off of my report. I was the told by an agent that I had to dispute the information qith the credit bureaus in order for them to remove it. I stated that I had disputed the incorrect information several times and each time XXXX XXXX responded that the information was correct. She than stated that they do jave a dispute from Transunion and that I needed to dispute the inaccuracies with all four ( Transunion, XXXX, XXXX, and XXXX ) in order for it to be removed correctly.
Consumer complaint received 2022-06-04
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. (GA)

XXXX XXXX XXXX XXXX a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both XXXX XXXX XXXX to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.
Consumer complaint received 2019-01-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (CA)

The letter is dated XX/XX/XXXX, however I just received this notice of a debt collection from Vital recovery service for a debt from XXXX. I never heard from XXXX or received anything just this notice that I got from my family today XX/XX/XXXX. It states I owe for excessive wear and tear and unpaid lease payments but I paid all the lease payments and there was no excessive wear and tear to the car. When I turned in the car I was not told of any unpaid lease payments of any kind. I stayed up to date on all payments, therefore this is odd and unexpected. I had an inspection done on the car prior to turning it in. The car was ranked under good conditions, inspection person did state that the rims on the tires may be counted as excessive wear and tear due to minor scratches, however, he did state this can be disputed because the rims stick out past the tires due to the rims not properly fittings the tire size. I called XXXX  regarding my concern prior to turning in the car and stated that the rims they installed are not the standard and are after market part which doesnt properly fit on the tires and stick out beyond normal which will cause scarthes for any minor or slight bump on a curb or just driving on a road that may have loose gravel. I also informed Nissian that if they should try to make me Pay for something thats their fault for installing rims that stick out past what they should the. I want to disput the charges. XXXX never extended me the courtesy to call, email, mail or notify me of their intent to charge me for anything. They sent this to collection without giving me proper notice, or even giving me the chance to resolve the problem. I heard nothing from XXXX or about this until it was already in collections. This is not fair to me as a consumer. I want an investigation and to take this matter to court.
Consumer complaint received 2019-01-13
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: TD BANK US HOLDING COMPANY (NY)

XXXX states that they do not have an account for me, when they do, I am attaching reporting from XXXX  XXXX, from XXXX. XXXX sent me a letter asking for copies of my social security card and driver 's license. 

XXXX had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

TD Bank claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as TD retail card services. I have attached their XXXX page as proof.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I believe the benefits for this card were poorly represented on the company 's website. In the post-login experience, it seems like I am eligible for the benefit of a XXXX XXXX ; but then when I try to use it, I am not able to. The message that is displayed as to why not is simply : " We're unable to load this page at this time. Please try again later. '' That message makes it seems like the problem is just a technical issue with the website, but when I called customer service, the agent explained that actually I was not eligible for the benefit. That American Express had decided, based on factors that they would not tell me, that I was not eligible at this time. 

I understand that this is not a guaranteed benefit of my card -- however, I think that American Express should not display this benefit to me on my post-login in benefits page if I am not eligible for it. Or, at the very least, they should make clear in the language describing the benefit that more than simply " enrollment '' is required -- you must actually request and be approved, not just enroll. Because the benefit is listed on the post-login page, where it is on my specific benefits page for me and my card, as opposed to the general benefits page for the card for all customers, I believe that these benefits are tailored to me and all available to me. So it feels like false advertising to have a benefit listed and then be told not, actually, you don't have that. 

I am attaching screenshots of the benefits description and the error message that I got from my account.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian, XXXX, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.