davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have communicated with USAA in writing and by telephone for almost two years regarding USAA Bill Pay. All of my complaints have been met with sympathy and promises to " look into the situation ''. All of my correspondence, phone calls, and faxes to USAA have been kept. Yesterday, I notified USAA that for the second month in a row, my payment to XXXX XXXX did not arrive. XX/XX/XXXX payment was never received by XXXX and to date, XX/XX/XXXX payment has not been received. Payment was due on XX/XX/XXXX. The USAA representative I spoke with said that XXXX payments were being sent electronically however for the last two months a decision was to make payments to XXXX by check. USAAs policy reads, Payments are issued electronically when possible, which takes 1 to 2 business days to process. For billers that don't accept electronic payments, a paper check is mailed through the U.S. Postal Service, which  takes about four days for delivery. XXXX continues to accept electronic payments, so why would USAA decide to mail checks in lieu of electronic payments when their policy states otherwise? The USAA representative initially said that XXXX was to blame suggesting they take longer to process checks once received. He is incorrect. XXXX processes payments on the same day the payments are received. The USAA representative also told me that USAA does not reimburse customers for the late fees they incur. Clearly, USAAs policy states otherwise. If the payment doesn't post on time, we'll cover up to {$50.00} in late fees, penalties or related finance charges. Over the course of two years, I incurred more than {$50.00} in late fees and interest. Therefore, I expect USAA to comply with their written policy and reimburse me no less than {$50.00}.
Consumer complaint received 2022-06-14
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

I currently have several general and store credit card accounts through Citibank. Due to previous economic hardship, I opted to close the accounts and pay off the remaining balances with monthly payments made through a debt management plan. I have been making regular and timely payments through this plan for over a year. 

As a consequence of the recent Covid-19 pandemic, I lost work and income. I saw that Citibank offers temporary ( one- to two-month ) Covid-related payment deferrals to its customers, so I called on XX/XX/2020 to arrange deferrals for my credit card accounts. I was told by several very polite and apologetic customer service agents that because my accounts were being paid through a debt management plan, they did not qualify for deferral. The agents mentioned that since such accounts are not charged late fees, I could just choose to withhold payments for a month or two. However, they noted the accounts could still be reported as delinquent if I chose to not make payments. 

Policies such as these unfairly penalize customers most in need of aid. A one- or two-month payment deferral on these accounts would significantly ease the financial strain on me and my family, prevent me from having to take more drastic steps ( e.g. bankruptcy ) that would further harm the credit I am trying to rebuild, and help me to continue paying off my balances in a timely manner after the deferral period. I am surprised by the company 's lack of compassion and understanding at this difficult time.
Consumer complaint received 2019-08-06
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. (WI)

XXXX refuses to delete the 90 day late payments. They claim they sent me information stating my loans were due. I was in school at the time and it was less than half time. One of the supervisors stated that I responded in XX/XX/XXXX, her name was XXXX. They are adamant about I received the notices, but I have pointed out several mistake in their system. Mistake one is, after being approved for the loans to be discharged due to my XXXX and XXXX XXXX, they reported to the credit bureaus the loans were active and I owed the loans. This caused my credit score to drop 50 points. They changed the balance to XXXX, but it states the loans are transferred and not paid in full. They also stated they have sent in the corrections twice, but the ; last entry on my credit report is from XX/XX/XXXX. This is a prime example of their system is broken. If the credit bureaus did not receive the information they claim they sent, how are they so sure I received the information in XX/XX/XXXX about payments. If I would have received the payment request I would have placed them in deferment like I did in XX/XX/XXXX,
Consumer complaint received 2019-10-07
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-06-25
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. (FL)

I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

To Whom it May Concern, I had my mortgage with Ocwen loan services for over 7 years. While with them, I paid my Insurance and Taxes separerately which worked well. As usual, I paid the same for the rolling years XXXX. 

Earlier this year ( XX/XX/XXXX ), Ocwen was bought out by a company called PHH Mortgage, PHH automatically opened up an escrow account and denied me paying my insurance and Taxes separately. This has caused my mortgage to go up almost {$500.00}, When I contacted them multiple times they said I didnt qualify. It has also forced me into paying for already paid taxes and insurance ( Double pay ). 

Please help me, I can't afford the increase in Mortgage and I think its unfair for this company to just force me into escrow when I didnt sign anything with them and already agreed my way of payment with Ocwen. 

Above all, This new company has shown no effort whatsoever in helping me and seem not to care about my mortgage history. 

I really appreciate if you can help my out, I feel like a victim and feel exploited by PHH mortgage. 

Thanks
Consumer complaint received 2022-09-16
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. (NV)

The Credit bureaus stated that my account with XXXX XXXX XXXX  ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX and my state Attorney General 's office have also been contacted regarding this matter. They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S 2 ( A ) ( 1 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-25
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: EQUIFAX, INC. (FL)

I have been trying to get some incorrect information investigated on my credit file and none of the bureaus have responded. I have tried twice already and I still haven't received anything??? The first letter to each company was send on XX/XX/XXXX of this year then XX/XX/XXXX How is this right? I gave them all the documents they website indicated would be needed to investigate things so they can't use that as an excuse.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

My credit card was charged for a purchase I did not make. I have been trying for over a month to contact Chase bank to report this potential fraudulent activity, but have been unable to reach anyone to assist me.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (OH)

in regards to claim XXXX, i need assistance in resolving this dispute. Transaction post date XX/XX/2020, XXXX, in the amount of {$240.00}. The package was never delivered to me. i spent countless hours on the phone and emailing both the merchant and shipper, XXXX XXXX, trying to resolve the matter. The package was initially lost in transit due to shipping label not being secured. Then they located held at their XXXX, Ohio facility. I spoke to a dispatcher at XXXX on Thursday XX/XX/2020, who confirmed they were falsifying tracking records, they had not attempted delivery on XX/XX/2020. He saw a XXXX code on the tracking #, which indicates the package had never been on the truck or even left the sorting facility. i then spoke to a supervisor in the XXXX office for XXXX by the name of XXXX also on XX/XX/2020, who contacted the facility, advised me they had lost the package in sorting. She contacted me back shortly after on that day and they said they had located the package and would schedule for delivery on Saturday. Saturday i waited all day for the package, and to my surprise got a notice it had been delivered. It was never delivered to my home. I checked with my neighbors and those around me on the cross street and it was nowhere to be found. i contacted the supervisors office back on XX/XX/2020 and they refused to provide any additional details as to a GPS location of the delivery vehicle, and where it was dropped off so i could attempt to retrieve my package. The tracking info states no signature required, and they did not and have not provided valid proof of delivery. Per Visa guidelines online it states for reason code XXXX, that a tracking # is not valid proof of delivery. That a signature is. I assume this to be a large package as it is a tonneau cover for my truck. Someone has received this for free and i have now been rebilled for something i do not have. As i mentioned over the phone with Chase Bank XXXX in escalations on XX/XX/2020 there have been many XXXX  complaints against this company for the same exact scenario. i would of never ordered from them had i known i would of been scammed. Please do right and go after this merchant for my money.
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX ( {$400.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$540.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX ( {$530.00} ) you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX you need to immediately remove this account due to the fact that youre reporting late payments and a past due on a collection! Remove for violation immediately. 
XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX XXXX XXXX   XXXX XXXX XXXX XXXX Years of late Payments after account was closed- this is a violation delete this account XXXX/XXXX XXXX   XXXX all 3 credit company show inaccurate payment status please remove you cant report different information for the same account XXXX/XXXX XXXX XXXX all 3 credit report showe different balance and payment status please remove and was never late you cant report different information for the same account XXXX XXXX XXXX XXXX was paid on time please remove this account XXXX XXXX/XXXX   XXXX please remove this account all 3 report show inaccuracy please remove this account it is illegal to report same account with different payment status
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I took out a loan in XXXX. I am elderly and only get {$390.00} a month for Social Security. I have been making payments when I can but I can't pay the {$240.00} payments they want, so every month I call and make arrangements to pay {$100.00} a month which is affordable to me. The company knew when I signed up that I only get {$390.00} a month! This month has been bad..I have had the " flu '' and forgot to call them! When I did call them the lady on the line was very abrupt with me and assured me that this debt would be sent to a COLLECTION AGENCY..no ifs, no ands, no buts. She didn't even make an effort to help me!! Then, imagine my surprise when I check my bank account and find that I am NEGATIVE {$880.00}!!! 
All because this company decided to suddenly collect all the money I couldn't pay on the loan.. So..now, not only do I owe the loan company but I owe the bank all this money now too!! PLEASE PLEASE PLEASE help me!! I don't have any paperwork because everything was done online!
Consumer complaint received 2020-05-15
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$150.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX XXXX {$1400.00}
Consumer complaint received 2022-07-17
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. (CA)

I Have Asked XXXX, XXXX XXXX Experian to re-investigate the information on my credit report and I know the information is incorrect but they all reported back to me that they verified the information on my credit report. So I am here today to report information that has not been fixed and would like to remove all accounts and negative items on my credit report.

15 U.S.C 1681i States that I have the right to ask for a Reinvestigation ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX Social Security Number : XXXX Date of XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX, and XXXX XXXX XXXX. Auto loan account opened XXXX XXXX XXXX in XXXX, and XXXX XXXX  opened around XXXX. Charge off accounts for XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I've attached a list of the hard inquiries in question below. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

XXXX is a gym membership that I had set up as a monthly charge on my Discover Card. I also was paying, for a period of time, for a separate membership for my son on the same card. XXXX has always been problematic ; continuously and egregiously raising the fees they were charging, attempting to double charge my account for several months, trying to pass through charges on my son 's membership after it had been canceled, not honoring the terms of a written agreement I had requested from my gym location 's customer service manager, etc I had various forms of communication with Discover Card personnel about my continual problems with XXXX. It seems that they took my side on these disputes and even blocked my credit card account from future charges from XXXX. 

Imagine my surprise when they reposted a {$54.00} charge from XXXX on my account in the latest billing cycle after promising that I wouldn't see any more charges from this vendor. ( They later rebated {$15.00} from that amount ). 

It appears that Discover has decided that even though they have decided in my favor about virtually every dispute that I've had with this vendor, if they allow enough time to elapse, they can try to pass through a charge from a disreputable vendor. 

I don't use the term disreputable vendor lightly ; XXXX was cited by the NY Attorney General  for continuing to charge customers for membership fees during the period that their gyms were closed due to the current pandemic. 

It appears that Discover would rather take the side of a company that is now defending itself in a class action lawsuit as opposed to a loyal card holder who has always paid his obligations on time over many years. ( I've been a Discover Card holder since 2006 ).