davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 
I have NO CONTRACT for goods and services with this company. I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. This is a violation of the FCRA according to 15 U.S.C. 16921692P
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (OH)

I was notified through XXXX  that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being Check N Go at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I've never been to Missouri or done any business with Check N Go. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. 

My credit report shows an account opened at Check N Go at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XXXX of 2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX  or if this is identity theft and my information was used at Check N Go and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.
Consumer complaint received 2020-11-20
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. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the XXXX XXXX you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Consumer complaint received 2021-02-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received an email indicating that my phone # was deleted for XXXX and to contact Bank of America if done in error. I call and eventually get sent to the account closure department where I was told that the bank had made a business decision to close all 4 of my accounts ( 1 checking and 3 savings accounts with a combined balance of over XXXX ). I was told the decision was final and that the process had just begun that day. He refused to provide any reason for this action. Constantly referring to the agreement when I opened the accounts. He did say the process usually takes 10 business days. He told me to call back the next day for better dates. I called the next day ( XX/XX/XXXX ) where I was basically told the same thing. When I called the next Tuesday XX/XX/XXXX I was told that the accounts appeared to be scheduled for closure the next day and that I should call back on XX/XX/XXXX to learn when to expect the check. When I called on the XXXX I was told that the accounts were not expected to be closed until XX/XX/XXXX and that no money could come in or out of the accounts. I questioned him about the 3 previous people telling me that it should take 10 days. He said that it takes 30 to 45 days and had no idea why they would say otherwise. I then spoke with a supervisor by the name XXXX. She seemed to understand the issue but would only release the funds from my checking account and a savings account with minimal funds. Total funds released {$1700.00}. After reading the agreement which indicated that either party can close the account at any time without notice except upon withdrawal of funds they can require 7 days notice. I mailed a written demand/request to close the accounts and receive funds in 7 days. I have not had a response. I submitted a complaint with Bank of America and was told they would request the closure department expedite the process however they told me I would have an answer within 72 hours and it has been 5 days. Any help in getting the funds released would be appreciated. Again they are claiming non wrong doing on my part but are being punitive in nature by holding my funds longer than necessary as can be proved by their policy of 7 days when closed by me.
Consumer complaint received 2022-09-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America granted me a secured credit card in the past. After my credit did well the called me in 2019 and told me congrats your card has been upgraded. Bank of America then returned my security deposit leading me to believe its now unsecured. I was told to look at the website to see the perks bells and whistles. The website clearly states no annual fees. They are still charging me an annual fee. I have asked them why they said the don't know they should have sent me the " New Terms '' but they will now after charging me Annual fee 's for the last 2yrs. I then asked them to direct me to where its available online of this secured fee, and the secured card they showed me has no annual fee. They purposely withheld the fee from plain view after upgrading nor send new terms. Upgrading card is misleading because it really was not.
Consumer complaint received 2022-05-03
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Date - XX/XX/2020 XXXX XXXX $ Called them ( Fifth Third Bank ) to pay the balance of the new car and apply for economic hardships. 
Called them again on XX/XX/2020 to check if things were good. They told me they reported credit bureau with reposition of my car. 
Paid balance to bring account to active. but they told me to dispute the issue in FTC. 

Thx
Consumer complaint received 2022-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2021-10-16
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NOVAD Management Consulting, LLC (AZ)

unable to reach Novad by telephone. kept on hold for over 1 hour and no response. 
I am sure the amount of reverse mtg loan is payed out. I have received to letter or response to email. Now I find HECMa is still sending me the same amount each mo. 
but it appears to be a loan that I do not want and can not afford. However, I have no way of stopping NOVAD. What can I do and how can I stop them from adding interest on what they are sending me/ I am a XXXX year old woman and I really need answers. I took the reverse mgt out on my own through XXXX XXXX in XXXX. 
I would appreciate any and all help. XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2022-12-31
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NE)

I've been paying on my Navient loans for 10 years and stopped paying them as my balance due is more than what I borrowed. I need assistance with dealing with them because no one will help. They were supposed to send me what I borrowed and what I owed and I have not received anything in the mail.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

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 requireme nts 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 cons
umer 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 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My account was locked by Capital One after my small business received funding assistance for payroll, merchandise, and distribution. Attached are the documents requested per Capital One. 

As a customer of Capital One for many years, I am distraught and saddened to see that many other customers who run businesses have also had to go through this tumultuous ordeal when the Pandemic was already very hard on us just trying to help our businesses succeed. 

These businesses have employee, family members, distributors, etc- all who rely on our business to survive, so you can understand the frustration and dismay that comes with Capital One harming small business such as mine. I have encounter hundreds, if not thousands of people who have expressed the same issue, even some who are starting class action lawsuits who perceive this to be a violation of CFPB rights. 

Nonetheless, I have obliged per the request of Capital One and attached are the necessary documentation. 

I have a small business and it is fairly easily to establish the legitimacy of my business just by simply searching my name or my business, absolutely disgusted with Capital One for their baseless accusation and how they have handled this situation. I do understand inquiring to some businesses but it is wrong to attempt to Harass, intimidate, and vilify small business for no other reason than needing assistance.
Consumer complaint received 2020-12-17
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. (NY)

Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account I dont want to loose my citizenship. I dont have XXXX or XXXX XXXXXXXX Revolving Accounts : Accounts with an open-end term XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}
Consumer complaint received 2022-10-20
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. (TX)

I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

Experian, XXXX, and XXXX are violating my rights and breaking federal law!