davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I opened a XXXX  XXXX  IRA account with Bank of America, N.A. I was assured that I would receive my disbursement on the first of every month unless that day fell on a holiday or on a weekend. 

XX/XX/2020 fell on a weekday, I did not receive my disbursement as was promised by the financial institution. When I called the IRA division of the bank, the B of A agent told me their manager informed THEM that disbursements had not been processed. However, I received no notification of any sort, and suspect that no other depositors with the same type of account ( at minimum - there may have been others with other types of accounts ) were told. 

No explanation was provided by the agent nor any assurance that this would not occur again in future. 

I received disbursement the next day but I don't know if that was true for the others effected by this very questionable, likely illegal, lapse on the part of the bank.
Consumer complaint received 2024-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc. (OR)

I have an account with Prosper it is a credit card. 
I have never been able to easily find the links to pay this card, it typically takes a person to a page for applying and finding out about their products. There are multiple areas that can be logged into instead of just XXXX landing page. 

I kept trying and figured out ( months ago ) that there is a sign in for loans/applications ( prosper.com ) and a separate log in for credit cards ( XXXX ) I keep a record of the site address/link to make my payments due to the confusion and have been using this info for many months. This is inefficient and confusing, however this month something changed. You can only get to the same landing page and it only goes over loans/cards and applying for their services. Every FAQ, help link, help page, article etc. takes you in circles to their same page with absolutely NO link to make a payment. 

I have contacted them, same info. They make it impossible to find a way to pay your bill. And in this day and age this should not be difficult. It is on purpose and they must change their site to be user friendly, easy to find all ways to make payments and in XXXX site.
Consumer complaint received 2024-11-06
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-08
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. (CA)

On XX/XX/2023, I sent letters to TransUnion, XXXX, and XXXX to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are accounts that are showing up as collections that have been disputed multiple times to no avail. The credit reporting agencies continue to allow these false creditors to continue reporting inaccurate account information, erroneous dates, etc. 

As stated before, any accounts that are not listed in my name ( XXXX XXXX ) are to be removed per the drivers license and social security card provided for you during a previous complaint. This is simple. If it is NOT the name Ive provided and proven to you, then it should be removed, as I was a victim of identity theft in XX/XX/XXXX these accounts arent not being validated correctly and in some cases the credit reporting agency is giving creditors my name so that they change the name on their file. 

Remove it, the next step here is prosecution for fraud. If the ORIGINAL contract doesnt match then it is to be REMOVED. 

I know you are tired of receiving these complaints, because I am tired of writing them.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 depressed now.with no help.
Consumer complaint received 2022-10-13
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged accounts. I also contacted the bank and they agreed to remove the account from my file. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-07-15
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. (OH)

No consent is identity theft. I, XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from listed inquiries. Block and remove them. This Identity theft report was not done in error or a material misrepresentation. If Transunion believes I have received goods or services please have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of these transactions.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I have reached out several times to try to get this company to update the balance on the account to match the amount awarded in the judgement so that I can pay it off. The company claims I still owe the original amount. If I call, the representative is rude. If I reach out via email they do not respond. I am at my wits end and have contacted an attorney at this stage but thought it would be good to lodge a complaint as well.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KS)

I have a XXXX with Ulta which goes through Commenity Bank. I knew I was going out of town and didn't want to forget so I logged into my account for the first time after making my first purchase on the card to pay my balance in full. I paid the balance and it was showing as paid in full on the account with a {$0.00} balance. After 3 weeks passes, I receive a notice in the mail saying my payment was refunded to my bank and now I had a penalty and a late fee applied to my balance. I called and called several different days during different times. I tried to log in to the online account all during the time from mid XXXX to early XXXX. I was unable to ever speak with a representative because the phone would just ring forever, disconnect, a message would come to tell me to hang up and try at a different time. I sent a secure message online and now the website says they are unable to reply in a timely manner and to call them. I have reached out to ULTA directly and they are aware of the issue begging people to keep trying to call the bank. There are hundreds of reviews as well as XXXX  complaints online saying the same issues that I have been having. Please shut this business down and never allow them to do banking in the future. Then later I was actually able to get in the online account randomly. I made my payment for the original amount I payed. To my surprise, the payment posted and went through but it took 4 days to post on my bank. I am not going to pay for that bank 's fraudulent business practices just so they can attempt to squeeze some fees out of people who got the card to get discounts on purchases to begin with.
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been past 30 days sine I have sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report. They didnt do anything about it until now, I can see those things on my credit report. Please let me know of whats going on. Thanks
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

This complaint is against Lexus Financial who is financing my car loan. First lets start with the high interest rate I was given 14.9 % which later this high interest rate was part of a class action lawsuit. I paid this loan for six years in good standing and my credit report shows this ... I paid down to the last payment which was the maturity payment a big ballon payment deriving from high interest and deferred payment. Now thru this pandemic I was not given any special help due to the pandemic. I was furlough in XX/XX/XXXX and was laid off in XX/XX/XXXX due to the pandemic so I was told this maturity amount of {$4000.00} was due by XX/XX/XXXX. I was told I could pay this out and dont have to worry about paying all this off by the due date as long as I continue to pay every month. I was not told that each month I carry this balance this would be reported to the credit bureau and would affect my credit. I spoke to an executive in the CEO office and was told that the Rep I spoke to stated they would coach that individual because the representative fail to provide me with all the necessary information I needed that I could have had a different outcome. Now due to the negative reporting to my credit it has placed an unpreventable financial hardship during this pandemic. This egregious treatment from Lexus also violated my consumer rights under FCRA surrounding the accuracy and fairness of what is being reported to the consumer credit agencies by Lexus Financial.
Consumer complaint received 2020-12-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear US Dept Of Edu : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Consumer complaint received 2020-06-04
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

Back in 2017 I used XXXX as my phone company and had to change to XXXX because my XXXX  account was continuously being billed more than what my original set up options were. After speaking with the local XXXX  worker about my bill continuously being overcharged he would work on the issue and tell me this happens often, we will get it fixed. Well for 5 months i was charged more than my bill and I went in again to the same XXXX  store to speak with the same XXXX  associate, he was gone. At this point i was fed up with the account and said it was time to move to another carrier. After speaking with the XXXX  account representative and explaining the situation she was nice and told me no issue, we will close out the account. She helped me do that no issue. I had overpaid my bill for 5 months prior to closing the account, I had no outstanding balance. I was done with XXXX. Then a few months go by and i get a letter from XXXX saying i owe them {$420.00}. This bill came out of no where and when i took it down to the XXXX  store to get clarification the representative couldnt help me because my account was closed! I called and tried to handle the situation explaining the circumstance and got no answers. Now the debt has been sold off two times and after trying many times to resolve this, this is my last option.. I am a good person who has no intent to not pay my bills. Iv established great banking relationships and plan to have a bright future. This debt thats not understood by people who are trying to collect it is effecting me. I hope to have it taken care of. Thanks
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2020 I had obtained a 3 bureau credit report and notice that XXXX, XXXX and Transunion are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (NC)

Goodleap is the loan company for XXXX XXXX ( formerly XXXX XXXX ) - the solar product is faulty and doesnt function as advertised. Goodleap promotes the company in their advertisements and service.
Consumer complaint received 2019-05-28
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

US DEPT ED XXXX ; XXXX XXXX ; XXXX   XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; XXXX XXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX   XXXX ; NAVIENT XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX   XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX ) XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX XXXX ; XXXXXXXX XXXX ; XXXX  XXXX  XXXX XXXX XXXX ;
Consumer complaint received 2020-12-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.