davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts 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 to be removed/updated. 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. 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!
Consumer complaint received 2022-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I requested a refund on XX/XX/22 and was told I would receive a refund within XXXX weeks. Called again and was told refund request was approved on XXXX. 
Called back earlier this month and was told my request had been mistakenly sitting in queue with no representative handling it or processing it. Have called XXXX  times since, so XXXX total. XXXX business days and no balance change ( Aidvantage ) and no refund received.
Consumer complaint received 2024-11-14
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. (CA)

I recently obtained a copy of my credit report and I discovered multiple inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have negatively impacted my life and credit health detrimentally.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I called Macy 's to discuss my pending balance with them, I spoke with representative named XXXX, ID # XXXX. XXXX stated that he could not take a payment over the phone, and that my balance was {$1100.00} and that they could not accept a payment over the phone. He advised me that I had to mail a payment to XXXX XXXX XXXX XXXX XXXX Missouri, XXXX. I found it strange, therefore on XX/XX/XXXX I called again and spoke with Representative ID # XXXX and she stated again that I had to physically mail a payment. However this time it was a different mailing address that was provided. I was given XXXX XXXX XXXX in XXXX, Arizona XXXX as the correct address to mail the payment. I was very confused and concerned, especially as once I advised the representative that just a week prior I was advised by XXXX to send it to a XXXX XXXX Missouri Address. Even more concerning, I was advised that the Macy 's does not have any XXXX XXXX Missouri payment addresses and that the address did not show up any where in her system as being a legitimate payment address for Macy 's. 

Now I don't know which is the correct address to mail my {$1100.00} to, frankly I don't trust either one of these addresses now that I have had time to reflect and consider the strangeness of this ordeal. Every financial institution I have deal has accepted payments over the phone, making it easy for me to rest assured my monies is being handed off to the correct party. Now I have doubts as to were exactly I can send this money to, and ensure that indeed Macy 's is going to be receiving it and applying it to my balance. How do I know my payment is not going to end up in the hands of a disgruntled employee or some other more nefarious situation? 

I trust that my date of birth of XX/XX/XXXX and last for of SS # XXXX will help you locate my account.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

I went to use my credit card only to find out that they had close my account without even contacting me. Because it has been several months that I used the card they took it upon themselves to close the account. Also this company has bad practice in notifying you before hand of any of their sneaky bad practice when it comes to notifying before hand when they are about to make changes to your account.. If your credit score drop they lower your limit and it does not matter, if you paying your bill on time. They have a bad practice and everyone of my cards that I have with them the lowered my limit. Example I can have a credit limit at {$750.00} they lowered all away to {$100.00} : when I started out with a {$300.00} limit and it was increased to {$750.00} for one card, {$650.00} for another and then {$500.00} for another. The fourth card I had the store closed and reopened, but your card is no longer valid. I'm so done with this practice of this particular bank who have multi cards with different stores.
Consumer complaint received 2021-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I entered XXXX XXXX in XXXX, CA attempting a XXXX XXXX XXXX. When we began the negotiating process for out the door price, I noticed there was {$2400.00} in aftermarket finance charges on top of the price of {$16000.00} and sales/taxes. When I questioned XXXX XXXX the sales rep, she stated those charges have to be included with the sale of the car. I inquired of what they are, she mentioned one of the services attached is a GPS tracking system called XXXX XXXX XXXX. I was adamant that I was not going to pay for aftermarket services I did not want. She stepped away and returned back with a new set of aftermarket finances which totaled {$990.00}. I continued to dispute the charges for a tracking system I did not want. Eventually the manager XXXX XXXX entered the room, he said they can not reduce the aftermarket finance charge anymore. XXXX advised that he reduced the charges from {$2400.00} to {$990.00} by removing the GAP insurance. I was stunned to learn, why was there GAP insurances attached to my sales agreement without my consent. We continued to argue because I did not want to pay for the GPS tracking service but they continued to advised multiple times the GPS tracking is not optional because its automatically installed on all our vehicles which is billed to the clients Eventually we came to an agreement because he gave me more for my trade in than I expected. When I got home that night, I reviewed the sales contract and noticed the {$990.00} for GSP tracking was stated as ( Optional ) Theft Deterrent Devices. 

On the morning of XXXX XXXX I called Capital One Auto to stop the funding of the loan until I resolved the loan issue. I was advised by Capital One that the loan can only be corrected directly through the dealership. 

On XXXX XXXX I returned to XXXX XXXX in XXXX, CA dealer to have the GPS tracking removed from my loan. While I was waiting for XXXX XXXX, I asked a sales rep, if the GPS tracking is an optional service? He responded, no, its added to all the vehicles at their dealership and charged to the clients. The sales rep XXXX XXXX escorted me to speak to a finance manager so I can dispute the GPS tracking service. The woman, which I forgot her name stated, the GPS tracking is not optional and can not be removed from their vehicles therefore the GPS tracking service is billed to the clients. " The GPS tracking is billed to all the clients. 


Can dealerships add optional products to their vehicles and forcefully bill the consumer? 

Can sales reps and managers add optional products without the clients consent? For example, XXXX adding the Gap insurance without me consenting to it.
Consumer complaint received 2020-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

Never received any notice to pay the debt. No phone calls or any letters. I don't recall having unpaid medical bills. I saw this collection on my credit report today an called the creditor an paid the debt that was owed. The fact that it was sent to collection without contacting me was shady an unfair. This needs to be removed from my credit report immediately. I had a XXXX credit score an is dropped my score badly from lack of communication.
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX  XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: T.S. Holdings (OK)

XXXX XXXX and XXXX XXXX. On XX/XX/XXXX we rent an apartment called : XXXX XXXX XXXX  XXXX  XXXX : XXXX XXXX XXXX XXXX f XXXX oklahoma XXXX. 
1. The date we move in, we report to the office the apartment is infected with roaches. But they didn't solve the problem on time 2. The carpet was not fixed well and need some stretching and fixing. But they didn't fix it on time 3. The alarm was making noise the whole night and because of that my kids were not sleeping. They didn't fix the Alam instead they close it with sole tapes for two years I was with out smoke detector. 
4. My neighbors was also having the same bag problems 5. On XX/XX/XXXX they start to spray for the whole unite but it was so late. 
6. From this date on they start to spray every Thursday and some time Tuesday but the bags were increasing and I asked them why it is increasing. No reply 7. Only three days we told them to come back.

A. We have a new baby and we arrived from the hospital B. One of my boys was sneezing very bad from the spray he was allergic and he is still on medication C. The first day shut down of covid. 
8. On XX/XX/XXXX they refuse to give us renewal of lease agreement. I asked them to stay and I can not move because of covid-19 and I have small kids but they refuse and told me I can not stay in two bed rooms.

9. After I move they send me a bill to pay {$3000.00} after they took my {$250.00} deposit. 
10. Before my move I have an appointment with the manager XX/XX/XXXX to walk and show them I have cleaned and left the apartment in a good shape. But the manager was off and next day she refuse to walk the apartments.
Consumer complaint received 2024-11-13
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. (FL)

I TOLD XXXX TO REMOVE THIS LATE PAYMENT, XXXX XXXX ... XXXX  DAYS LATE..HOWEVER THEY SAID EVERYTHING WAS CORRECT..XXXX VIOLATED THE UNITED STATES CODE LAW ( TILA 15 U.S. CODE 1666 ( b ) BILLING ERROR recently I checked my credit report and noticed a billing error under 15 u.s. code 1666 ( b ) billing error.AS I KNOW THE LAW STATES THAT THE BANK DID NOT NOTIFY ME XXXX  DAYS BEFORE WITH A STATEMENT OR A MAILED LETTER, SO THERE SHOULD BE NO LATE PAYMENTS ON THIS ACCOUNTS..I DEMAND TO SEE HARD SOLID PROOF FROM THE CREDITOR THAT THEY MAILED ME A LETTER BEFORE THE DUE DATE AND PROOF THAT THEY SENT IT.THIS CREDITOR WAS SUPPOSE TO MAIL OBLIGOR A LETTER BEFORE THEY PUT A LATE PAYMENT ON THIS ACCOUNT..VIOLATION.15 U.S. CODE 1666b IS A LAW THAT GOVERNS THE TIMING OF PAYMENTS FOR XXXX ACCOUNTS, LINE OF CREDIT AND CREDIT CARDS ACCOUNT. ( MAIL OR DELIVER A PERIODIC STATEMENT TO THE CONSUMER AT LEAST 21 DAYS BEFORE THE PAYMENT DUE DATE.CREDITORS CAN NOT TREAT A PAYMENT AS LATE UNLESS THEY HAVE REASONABLE PROCEDURES IN PLACE TO ENSURE THAT THE STATEMENT OR LETTER WAS DELIVERED TO THE OBLIGOR ON TIME.AS A CONSUMER BY LAW THIS LATE PAYMENT NEEDS TO BE DELETED IMMEDIATELY OR I WILL SEEK MONETARY COMPENSATION FOR VIOLATION OF MY RIGHTS IN SMALL CLAIMS COURT IN MY CITY AND STATE UNDER XXXX XXXX XXXX CIVIL LIABILITY BECAUSE I'VE BEEN VIOLATED.ALSO, WE ALREADY INVOLVED AND SENT A LETTER TO THE COMPLAINT PORTAL FOR ( CONSUMER FINANCIAL PROTECTION BUREAU, STATE ATTORNEY GENERAL 'S OFFICE, XXXX XXXX, AND FEDERAL TRADE COMMISSION.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX TRANSUNION LLC CONSUMER DISPUTE CENTER po box XXXX XXXX, PA, XXXX Re : Identity Theft Report Account Fraud Notification Dear TRANSUNION, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : XXXX. Close or freeze the account to prevent further unauthorized activity. 
XXXX. Remove any negative information related to this account from my credit report. 
XXXX. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission XXXX FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I feel very mislead.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MA)

I had an old Sears credit card - they were bought by Citibank before the stores went out of business. There was a charge made for under {$20.00} that I don't remember making but I never received a bill. When I finally got a notice I paid the bill. Then the same thing happened again. It seems Citibank was tacking on late fees to a {$10.00} account balance after I thought I paid in full according to the bill I received. Finally I just paid the full amount and called to have the account closed. 

I have perfect credit and this was a case of not receiving notification of the bill for several months. I honestly don't even remember the charge. I think there has to be some responsibility shared by the creditor in not communicating the charges with me on a bill for under {$20.00}. 

Thank you.
Consumer complaint received 2024-12-12
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (CA)

On XX/XX/year> at approximately XXXXXXXX XXXX XXXX I bought a {$200.00} digital Google XXXX XXXX XXXX  online from XXXX and had it emailed to myself. I redeemed the card successfully on my Google XXXX account. When I tried to spend my Google XXXX gift credit on an in-game purchase, I received the error, " Your transaction can not be completed. To proceed, please submit the required information by completing this form. '' and was directed to this form : XXXX XXXX XXXXXXXX? XXXX. I entered XXXX for the Store name, the gift card redemption code, and put down " Online '' for the city where my gift card was purchased. I submitted said form. On the same day, at XXXX XXXX, I received an email stating, " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' This is the second time this has happened and feels like a scam because Google is not allowing me to spend gift card credit when I have purchased it from one of their approved vendors. I spend regularly via Google XXXX using my credit cards and XXXX, but Google XXXX gift cards continue to be a huge inconvenience to deal with.
Consumer complaint received 2020-10-30
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: Bread Financial Holdings, Inc. (MA)

This account has been reported differently across the bureaus and I believe that this should not be the reported because of its inaccuracies. All I want to happen to get this removed.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (TX)

On a call with XXXX XXXX prior to XX/XX/2022 I was told by a representative that my payment was still needed from XXXX. I initially called XXXX XXXX  to complain about there lack of communication and clarity on my new loan, but all was fine. On this call I was ready to pay for my previous and upcoming payment, but out of time convenience I asked the agent if I can the next day. Paying on this phone call was no issue and my bank statements/ available liquidity on file during this call would prove this to be true. Unfortunately, the XXXX XXXX agent told me it was no issue of me paying the next day, assuring me I would get no late payment on my report as long as it was done by then. Even doubling down explaining that they would grant me a 1 time removal of generosity if the system was to flag me. The next day I placed the payment and was hit with a late payment on my report ( my first ever late payment and my credit dropped nearly 100 points over night. I was XXXX XXXX XXXX with a huge focus on building my credit and have done everything for this to never happen ). When I called XXXX XXXX the next day they told me they ended their " 1 time removal of generosity '', the day before being the last day, also the day I first spoke with them and was given the reassurance. This is unaccepetable and unfair to me quite frankly and I have everything documented that proves the negligence toward me as a first time borrower that has never had a late payment. I have been back and forth with them now for XXXX  months and neither Experian or XXXX XXXX seems to care about the situation. Please help this is my first, only, and a false late payment which affects my credit greatly. 

Im unable to upload any files so i uploaded them to this XXXX XXXX that you can view with this link : XXXX XXXX XXXX XXXX