davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX 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.

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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( 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!

Delete the late payments from my consumer reports
Consumer complaint received 2022-06-23
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. (GA)

I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my XXXX and just one on the others. I have sent in numerous disputes and filed two police reports and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT. 
The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is in accurate, the date last active is inaccurate, and date last reported not accurate. This is grounds for removal and they also violated my rights under, 15 U.S.C. 1681 section 602 A. I have the right to privacy.

15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Account opened XX/XX/XXXX, my cousin provided me sponsorship to become a member. 
Accounts closed XX/XX/XXXX for fraudulent activity. 
No transactions had been made seeing as how account was less than 24 hours old before it was closed so I was not sure what type of fraud activity could have occurred in such short time. 
I called on XX/XX/XXXX and was informed membership is considered fraud, and I was not allowed membership through my cousin. 
My husband has since become a member and when he called to sponsor me for membership I was told I would have to wait on outcome of appeal before any new application can be submitted. 
I have appealed account closure decision twice, I have wrote CEO, VP, I went inside my local branch, and still nothing has been resolved. 

Received letter XX/XX/XXXX stating restriction will remain and accounts closed. 

Of I were committing any type of fraud I would not have went into a branch or appealed or called or emailed ceo, and would not be submitting this complaint. 

I feel discriminated against because both my mother and husband have obtained membership and yet even now im not given the opportunity to apply for membership through my husband. 

I assure you I had and I have no intentions on defrauding or being dishonest with navy federal credit Union, I'm an honest civilian, recently married, work XXXX full time jobs a mother of XXXX and recently XXXX XXXX more children.
Consumer complaint received 2022-06-22
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account 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 2022-06-23
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # 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 2022-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have asked this credit card company back in XX/XX/XXXX to investigate and to remove inaccurate information from my consumer reports. Account number ending in XXXX with a credit limit of {$500.00} bucks that shows up on my consumer reports. I sent them a second notice in XX/XX/XXXX to remove this Inaccurate fraud account that does not make any sence, but no answer from them..
Consumer complaint received 2023-07-26
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-30
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. (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 XXXX 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 XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX 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 XXXX 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 2023-01-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-30
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: EQUIFAX, INC. (MO)

I am submitting this complaint in response to the current evaluation presented by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to correct. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my Personal information. I have also been sending multiple letters before, but despite all my efforts, the Credit Bureaus have been doing nothing! I am appalled by the ability of the Credit Bureaus to pay no attention at a consumer 's requests. I am inclined to pursuing legal action and sue the Credit Bureaus for their Actual damages done. I need the following items removed now! : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

Hello, So my venmo account got frozen and then they un froze it for only 1 or 2 days, I sent a XXXX dollar payment to my sister, and then they approved a bunch of disputes I started as soon as they got approved my account got frozen again and now im unable to access XXXX dollars which is a huge amount of money to me and i have a XXXX coming up and need this money to cover my bills while im out of work for 2 months, they said they closed it due to a dispute i had against me and my account when i made them aware i was not the one that accepted that money in the first place so they went and deactivated my account and said in an email i might not even get my money back, is it my fault someone decided they wanted their money back because they needed cash in their pockets as they probably spent their rent money on something else and needed to make up for it, venmo approved a number of disputes before this and said nothing to me even though i chatted with them and emailed them saying dont appove them these people are obviously scamming me, example one guy sent 3 payments and wants to dispute all 3 saying he didn't mean to send them, ok how do you not mean to send 3 payments and of course venmo took that money right out of my account, with all their approved disputes im out over XXXX dollars at the moment and yes these are all friends who did this and in venmo terms and service it says for friends and families only so i stuck with the terms of services i believe im being treated unfairly in this situation and would like my XXXX dollars to be released immediately so i can move on from this situation and be able to pay my bills while im out of work., Thank you sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (TX)

I just bought a Honda XXXX XXXX last night with Honda of XXXX, and while I was working with XXXX the loan manager, he told me that I had no other options but finance directly through Honda. I also needed to put at least {$6000.00} down. That was my ONLY option. Come to find out, he lied and never looked around at any other places because my bank had pre-approved me for a car at a better rate and term. I went to the dealership today and they are saying that they did make the mistake of not finding the best option and telling me that I only had ONE option. I have a recording of it, and now I am filing a complaint.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

TD bank not giving me my promotional money, I didnt mentioned all points earlier complaints, but this time I would request to answer all my questions, before I taking further legal actions with lawyer. 
1. I didnt used company mailer, I used direct link. When opened account at that time there were no mailer conditions. If bank updates late thats not my fault. 
2. If I used mailer then I would request bank to provide code that were used to open account. I m sure, I havent 3. If opened account from mailer address then why company sent mailer to my address with some other person name? 
4. Here are history of banks promotion offer history, company might have posted rules on XX/XX/2020 but I opened account on XX/XX/2020. 2 days before. Reference https : XXXX XXXX. Once I opened account then I requested to verify my eligibility for promotion by secure email, why bank representative reply, Ill get when its due, I have proof with secure email copy with reply.

6. If I was not eligible then why bank asked me to visit bank and provide photo id? I waited 4 hours in queue, even during covid situations. And provided all documents. 
7. If banks would have told me after my first email that you are not qualify then I would have closed account, why hold my $ XXXX? 
8. Everytime I called why bank representative, agreed that yes you open online and you have satisfied all requirements. Ill send email to my manager for promotion money.

9. Why promotional department only communicate with only email? Even I visited bank, manager took copy of my documents but didnt call to promotional department and let me wait another month. 
10. If TD bank so difficult to work with, why do you guys market, its Americas most convenient bank? No, its not. Horrible experience. I have accounts with many banks but worst to work with TD bank.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (TX)

XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. EQUIFAX, XXXX, and XXXX have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( Equifax, XXXX, XXXX ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.
Consumer complaint received 2021-07-21
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: LEXISNEXIS (MD)

I have been requesting LexisNexis to delete a reported Bankruptcy since XX/XX/2021 due to inaccurate information being reported and it has yet to be corrected. 

According to the attached document, LexisNexis lists their source for the listed Bankruptcy as Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX. However, I have documentation that the United States Bankruptcy Court, District of Maryland does not report any information to the credit bureaus ( also attached ). They also do not verify or validate information from consumers ' credit files. So I would like to know who at the Maryland Federal Bankruptcy Court-XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX LexisNexis verified this listed Bankruptcy with, their contact information and the date said Bankruptcy was verified. 

I will be filing a complaint with the Federal Trade Commission and also contacting a Consumer Protection Attorney.
Consumer complaint received 2021-02-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Armstrong and Associates, Inc (AL)

This company sent me copies of my medical treatment and thats a big Hippa violation and I want this to be removed from my credit and deleted in their system and leave me alone with all the threats they coming to my job and my house to see what I have that they can take.
Consumer complaint received 2022-08-12
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)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-22
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. (IL)

In accordance with the fair credit reporting act bankruptcy 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 a account without my written instructions. 

I did not give them written instruction.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

XXXX, 2021, I attempted to get a drivers report online. Instead I got charged {$1.00} off of my mastercard. Later they took {$18.00}, for a business to check on employees report to hire them. So I ended up not getting the report that I wanted, and nothing else for the {$18.00} they took it. I did not authorize it. That was the Wisconsin DMV. I did send them a email explaining the situation to them. They sent me a email back telling me that ( We do not refund any purchase you made on any website that is not ours, and please contact your bank to dispute refund ) That was XXXX XXXX, 2021, at XXXX A.M. There is not any bank listed on the card I have, so I do not know whom to contact. I have been trying for several days to contact XXXX customer service. I always got hung up on, Their phone number that I called for mastercard is : XXXX.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I have XXXX XXXX XXXX XXXX credit card with Pentagon Federal Credit Union, where I have scheduled auto payment for statement balance every month in their systems. 

In XXXX, there was a fraud on my account which was automatically identified by Penfed. They closed the existing account and issued me a new card. I verified with them if I need to make any changes to my account, I was told no. 

Today, I noticed instead I am charged interest and when I called them, they said they know the problem but instead of fixing bouncing me back from one person to another.