davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (PA)

On XX/XX/XXXX, a lease agreement for XXXX XXXX XXXX was signed with US Bank. Exhibit # 1 According to box # 4 from the agreement, the first payment of {$320.00} was collected on the Lease date, followed by 35 payments of {$320.00} due on the 31st of each month. 
The first payment was made by the credit card a few days in advance, XX/XX/XXXX. Exhibit # 2 On XX/XX/XXXX, I received a welcome letter from US Bank with account # XXXX On XX/XX/XXXX, I made my second payment of {$320.00} On XX/XX/XXXX, I received a letter from US Bank indicating that my account number has been changed from XXXX to XXXX for a strange reason ( Due to an internal processing error ). Exhibit # 3 Due to account number changed my second payment posting date changed from XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX, my last payment ( 36 ) of {$320.00} was posted. 
On XX/XX/XXXX, I received an additional statement from US Bank generated on XX/XX/XXXX with the same amount and due on XX/XX/XXXX. Exhibit # 4 On the same date I called US Bank and according to the representative I still need to make one payment On XX/XX/XXXX I started my own research ; download all transactions form the US Bank website and compare to my records. Exhibit # 5 Results are very straight forward ; US Bank recorded 35 transactions which I made in the past three years but did not include the first one which I made on XX/XX/XXXX, during the lease contract initiation. 
On XX/XX/XXXX, I called US Bank customer service again and ask to explain why my first payment was never recorded. The person I spoke to ( XXXX, employee ID : XXXX ) was not able to answer any of my questions. After keeping me online for more than 40 minutes he agreed to transfer me to the supervisor XXXX XXXX, phone # XXXX XXXX. As always happened, she was busy to answer my questions and he promised that she will call me back shortly. 
In approximately 40 minutes XXXX calls me and advice that US Bank, in fact, made a mistake by not including my first payment. He also said that I can ignore my recent bill. 
My request to provide me with the same information in writing, either by email or letter, as well as correct data on the website was refused by the XXXX.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This notice was mailed via US Certified Mail directly to Commonwealth Financial Systems ( USPS Tracking # XXXX ) and disputes have been sent to both XXXX and XXXX XXXX. My consumer protection attorney has also been notified of this collectors continued attempts to call me during working hours though I've advised them to not contact me at work. In addition, I've requested validation over the phone and this company advised me that they in fact due not have a HIPPA release to possess my original records for this alleged debt. 

I received information that you are attempting to collect the above-listed alleged debt Please be advised, regardless of your records, I dispute the validity of the alleged debt In its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my *original signature* binding me to the alleged debt, in addition to an itemized statement of the alleged debt within 30 days of receipt of this letter. Please provide me with the following : 1 What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe, with my original signature agreeing to pay this amount : 4. Identify the original creditor and their contact information : 5. Prove the Statute of Limitations has not expired on this account : 6. Show me the you are licensed to collect in my state : 7. Provide me with your license numbers and Registered Agent or Agent of Service : Commonwealth Financial Systems is attempting to collect a debt and money that I do NOT owe. As per the law, cease and desist all collection activity including any and all credit reporting ( to all major reporting agencies ) including XXXX/XXXX/XXXX. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information as required by US law. If Commonwealth Financial Systems fails to comply with this notification, it may be turned over to an attorney. Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claims are disputed and validation is requested.
Consumer complaint received 2022-04-27
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. (VA)

I accordance wit the Fair Credit Reporting act, XXXX XXXX  XXXX and XXXX  XXXX 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 an account without my written instruction.

15 U.S.C. 1666B : : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Through non compliance, I have evidence that i have a self executing irrevocable power of attorney authorizing XXXXAlleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type. this account reporting is also a violation of hippa laws.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, I had filed a complaint ( # XXXX ) with CFPB about spam mail I was repeatedly receiving from TD Bank. 
TD Bank responded by proving a link ( XXXX ) for permanently opting out of all spam mail.

At that time, I did use that link to permanently opt out of such mail. 
Today ( XX/XX/XXXX ), after almost 5 months, I have once again received another spam mail from TD Bank ( I have attached the front and back of the mail I received ). 
So, since I had already opted out in XX/XX/XXXX, why am I still receiving spam mail from TD Bank?
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc (MN)

The following is a copy of an email I received thanking me for a payment. The sender identifies themselves as being from PayPal. I do have PayPal accounts and checked the accounts. No money was withdrawn from the accounts as far as I can see. 

Thank You. 

XXXX XXXX Pay-Verification Team XXXX XXXX XXXX, XXXX, XXXX XXXX  Dear XXXX XXXX, Thank you . Your prompt payment for the invoice XXXX has been received. Much appreciated. 

Have a great day and good health! 

Print your receipt here : XXXX date : XX/XX/2022 Receipt date : XX/XX/2022 Bill To : Customer ID XXXX XXXX XXXX XXXX XXXX  XXXX Unlocked 1 {$690.00} {$690.00} Amount due {$00.00} Total {$690.00} USD Please Note : It may take 24-48 hours for the transaction to appear in your Bank statement. 
If you did not authorize this purchase, contact us immediately at XXXX XXXX XXXX XXXX ( Please wait for a call back in case we miss your call ) We will refund the full amount if you cancel the order within 24 hours. Thank You! 

PayPal, XXXX ( XXXX ) XXXX XXXX XXXX ( Customer Relation XXXX ) Attachments area
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a similar complaint in XXXX of XXXX. Bank of America " fixed '' their system and now the same thing is happening again. My checking account and mortgage are both with Bank of America and I also use their electronic bill pay system. Unless I pay my mortgage on the EXACT DUE DATE, their payment system processes the EXACT MORTGAGE AMOUNT as a Principal only payment. 

I have to spend a minimum of XXXX minutes, if I'm lucky, ( if not it can be an hour or better ) EVERY TIME I pay the mortgage. This is beyond frustrating and and HUGE waste of my time. Additionally, this messes up by taxes if the payments aren't correct in time AND there is absolutely no way to tell what is happening with the mortgage with them back things in and out of the system. 

THIS IS A NEW COMPLAINT, as Bank of America fixed the last issue on XX/XX/XXXX. This started to happen again in XXXX. Again, I wait until I receive the ebill and pay from their system. 

My payments for the following were processed incorrectly : Mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX was misapplied to principle and in additional the the mortgage due date of XX/XX/XXXX paid on XX/XX/XXXX. Working in the IT field I would assume they have BUGS in their program that are causing this, but I should be compensated for them WASTING MY TIME each and every month!! It isn't like I'm paying the mortgage a month in advance. They need to FIX their mortgage payment system once and for all!!
Consumer complaint received 2022-04-27
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: CBC Companies, Inc. (NY)

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. II RECEIVED A COPY OF MY INNOVIS REPORT AND THEY ARE REPORTING XXXX CARD AS MY ACCOUNT I HAVE ATTACHED MY ID THEFT REPORT PLEASE SEE ATTACHED
Consumer complaint received 2022-04-27
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. (MI)

In accordance with The fair Credit reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
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: EQUIFAX, INC. (NC)

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the  FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's
Consumer complaint received 2019-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a XXXX XXXX credit card that I have never been late on paying. Apparently, I had a charge from XX/XX/XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of XXXX XXXX that their system sent out a report to Transunion and XXXX  that I was 30 days late, which has impacted my credit score. 


I did contact Transunion and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from Transunion showing that the 30 day delinquency is still on my credit report. 


Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through  no fault of mine.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX, XXXX, TransUnion Consumer Solutions Consumer Reporting Agency are in violation of 15 USC 1681 ( a ) Accuracy And Fairness In Credit Reporting 15 USC 1681 ( 1 ) - Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
15 USC 1681 ( 4 ) - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 USC 1681 ( b ) - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 USC 1681b ( a ) ( 2 ) - ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1692g Validation of debts.
Consumer complaint received 2022-04-27
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DPT EDXXXX XXXX Balance Owed : {$3700.00} ; XXXX XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management , Inc. collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/2019 for an account number XXXX ( XXXX XXXX ) that does not belong to me.
Consumer complaint received 2022-04-27
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. (MD)

accordance with the Fair Credit Reporting act XXXX Account # XXXX and XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I checked my credit report couple months ago I found an account from XXXX XXXX on my credit report that I never opened. I emailed the company requesting to remove the account as it is not mine. They replied that it is mine without any proof. I have asked for documentation proving that the account is mine because I have never opened any account with that company. They didn't provide any documents proving that the account is mine and that is a violation of Fair Credit Reporting Act. I have moved then to dispute with Experian as well and sent a letter through their online upload ( https : //www.experian.com/consumer/upload/ ) on XXXX and to the Furnisher, I have attached a copy here. Next day Experian sent an email that my dispute results are ready ( they were suppose to mail me the results but they just emailed me ) and never received any letters from the furnisher even after 30 days. When I logged in to Experian and checked the results, here was their results " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' screen shot is attached. I have then sent the second letter to both Experian and XXXX XXXX the furnisher requesting method of verification on XXXX. ( second letter is attached here ). On XXXX I received again an email from Experian that my dispute results are ready. I logged in to Experian and was the same message that they sent before. Experian dispute result : '' The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ''. As of today XXXX I have not received any letter or email from XXXX XXXX the furnisher proving that the account is mine as I have requested. Both XXXX XXXX the furnisher and Experian have violated the Fair Credit Reporting Act by not providing documents bearing my signature proving that I have opened the account. XXXX inc the furnisher has never responded to my letters except the very first 2 email I sent them.
Consumer complaint received 2021-07-20
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)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-04-27
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.