davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Payment due date occurred on a non-business day and over a holiday weekend. On the due date I attempted to pay online but the online system did not let me post on the due date, I could only post the payment 3 days later. As a result I was assessed a late fee. 

I called on a business day after the fee was assessed but was told the late fee could not be reversed. I was also informed that I could have called and if so the posted date of payment would not have been considered late. 

This makes no sense from a consumers point of view - why does the credit card company 's system allow payment by phone on non business days to be made but not the online system? The online system blacked out the possibility of paying on time for 3 days! This appears to be nothing more than a sneaky way to assess late fees and interest charges to customers for greedy profits. How can the phone system be different than the online website payment processing? If calling by phone could be credited on non business days then so should paying online. I was given run around explanations for the difference. 

The highest XXXX I spoke with on the phone sneered and snickered at me, not taking my concerns seriously or with professionalism.
Consumer complaint received 2020-12-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2023-05-12
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. (FL)

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 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 2020-07-01
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. (IN)

XXXX ; XXXX and Transunion should not reporting that I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. I have also attached a copy of my Drivers License as well as a copy of my utility bill for personal identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-07-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I purchased a two day ski pass from XXXX XXXX  ( XXXX ) for {$350.00} to be used between the dates of XXXX at XXXX  XXXX  XXXX  XXXX I was able to use the first day as intended but XXXX closed all resorts for the season across the XXXX on XX/XX/XXXX due to the rise is COVID-19 cases and I was never able to use the second day. XXXX set up a webpage to request refunds which I utilized but I was told that it would take up to 12 weeks to see any sort of resolution. I didn't consider this an acceptable timeframe so I filed a dispute with USAA ( the credit card issuer ) on XX/XX/XXXX. Note that while I did not receive any further correspondence from XXXX regarding my utilization of the refund webpage ( and still haven't ), they only ended up offering customers the ability roll the unused days into a pass next year instead of issuing refunds to the method of payment. 

Regarding the dispute, I provided USAA with the public statement that XXXX XXXX  closed on XX/XX/XXXX, as well as the invoice for the tickets purchased. The dispute was revoked and when I inquired I was shown proof provided by XXXX that I used the ticket on XX/XX/XXXX. I told the customer service rep that I mistakenly entered the full transaction amount and that my intention was to recoup half of the ticket value ( {$170.00} ) since only half of the days promised were used. The rep noted this in the dispute but I was again contacted by the bank at a later date and told I need to provide further proof of correspondence with the merchant ( for which XXXX did not provide a carbon copy of when the refunds webpage was utilized ). XXXX is notorious for poor customer service and they are currently engaged in a large civil suit with pass holders over this very matter so I would really prefer to not continue interacting with them for something that I do not consider to be an acceptable resolution ( unused days rolled into a pass next year ) nor a good use of time and energy. 

Bottom line, I was promised 2 days of lift service by XXXX and only provided 1 day of their own volition. I am seeking a method of payment refund of {$170.00} for the 1 unused day which XXXX is publicly refusing to do for their customers with unused days and USAA is being extremely difficult about issuing a chargeback for a service that was very clearly promised, purchased and not provided by the merchant.
Consumer complaint received 2022-07-31
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022 Federal Trade Commission Number : XXXX Re : Unauthorized Credit Inquiries To Whom It May Concern, I recently received a copy of my credit report. The credit report showed multiply credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2022-12-03
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: CREDIT ACCEPTANCE CORPORATION (TX)

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-05-12
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: LEXISNEXIS (GA)

On XX/XX/2023, I disputed several Items on my LexisNexis Consumer Report. The disputed was delved on XX/XX/2023 via certified mail. However, the company has not responded in 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including Method of Verification. I do not consent to e-oscar or any means of automated verification.

Therefore, they have failed to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (KY)

Back in XXXX oXXXX XXXX  someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with XXXX XXXX and Experian several times and attempted to get this issue resolved with No result. Ive asked several times for a XXXXetter of Validation from both XXXX XXXX and Experian and havent received one although I was told it was mailed to me. I have done everything I was asked by both XXXX XXXX and Experian with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both XXXX XXXX and Experian refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against XXXX XXXX. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and Experian stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.
Consumer complaint received 2023-02-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

The process was totally generate re-I have a VA loan. If you look at the closing statement, you can see where they bought my interest rate down from XXXX to XXXX XXXX quarter number one they had no reason to buy down an interest rate because of me being a veteran and because my credit score was over 680 at the time and I will send you copies of all these things. The x-ray which is applied to our loan should have been down in the twos or XXXX XXXX % because of the time of our purchase. XXXX XXXX waited till the week we close on the home loan to lock in a rate we have been looking at this home back in XX/XX/2021 put a bed on and everything why wasnt the rate locked in a lot sooner. 


Also, we had {$50000.00} give it to us by two different individuals with our friends lives if you look at the mortgage closing statement only {$30000.00} was listed but the {$20000.00} is nowhere on the contract. Where is it who has it the money was not give them back to us so and I can show you the letters for me getting P individuals I will attach. The old is well. Here is about the money that was more of the gifting money and Im cute as well why the longer bravo them and it had no reason to be ball run down because he waited until the last week to do it because he was upset with the fact that I paid off all my bills and he told me that XXXX tell me how to spend my money thats exactly where is verbatim from his mouth.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NJ)

I had XXXX XXXX at XXXX  XX/XX/XXXX There was one test that Medicare said wasnt normally covered but since I didnt know they covered it! Even if it was not covered it would have gone to my XXXX XXXX XXXX XXXX  XXXX Gap insurance etc .... then 9 months later in XX/XX/XXXX XXXX submitted the same bill again to Medicare ... it was disputed & dropped of My credit report! In XXXX XXXX had a security breach & when I went to drop a test off in XXXX XXXX they said I had a balance of {$100.00} from the test back in XXXX. I said that was already resolved years ago, I had to call Medicare to have them send my files from XXXX to submit to XXXX. I checked on credit karma and that account was closed so I cant even dispute it a second time! XXXX  wants another 30 Days .... I dont have that much time I need to trade in my care & move by the end of the month and this just dropped My credit score 50 points & I dont know how it got back on my credit report a few weeks ago when this was already settled years ago!!! ( XXXX XXXX XXXX breach Im guessing ) but that number no longer works Ive spent hours on the phone disputing this bill that was already settled and off my record years ago & need to get it off my report immediately!!!!
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

Two problems. The first is that the funds are being miss managed. There will be money missing with no accountability for where it has gone. I can check my growth, reserve, and spending with no evidence of where the money has gone. I legit took all my money out of this bank and went over to XXXX. It has been about 2 years of this nonsense. 

The second is that I have an important dispute that is going nowhere. I made a purchase and submitted a better business bureau complaint and FDIC complaint and even return the product with no refund in sight from the company. The company is horrible at managing disputes all these months later from prior disputes. I am not sure why I am reaching out over the same issues and concerns. When will the problem be resolved? 

I have removed my money to a safer bank and hope these final issues can be handled so I can close my account.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I was hacked on my phone and afterwards noticed a bunch of things in my name and just too many inquiries and so I put a freeze for identity theft and now when I try to purchase using my credit it says my address is wrong I can't change anything or info.
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To whom it may concern, My name is " XXXX XXXX XXXX '', I have been trying to request investigation and removal of inaccurate items in my credit report but none of my affords have been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Address reported** XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX These addressed are not belong to me XXXX i have attached proofs of my current address below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX How can there be XXXX $ monthly payment on a charge off and closed account. DELETE IT IMMEDIATELY!!! 
XXXX hard XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX BANK XXXX : XXXX. XXXX, XXXX All Banks UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _UNIVERSAL CREDIT SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. I also never receipt any writing mailed disclosure about this report according to XXXX XXXX XXXX ( a ) XXXX requires early warning notice ONLY after they have notified said person before it is placed on the credit report.
Consumer complaint received 2022-12-03
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: The Phoenix Recovery Group (TX)

In accordance with the Fair credit reporting act Phoenix Recovery Group has violated my rights. 

15 USC 1681 Section 602 states that i have a right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-01
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. (NY)

I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX  XXXX XXXX repeatedly refuses to remove this fraudulent claim via Experian. Its not on XXXX  or XXXX. Here is the information : General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$500.00} Highest Balance {$540.00} Terms NA On Record Until XX/XX/XXXX Contact Info Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

XX/XX/XXXX Experian says XXXX says its correct again! 

Many years ago, I had a XXXX  credit card that payment was never late and was paid in full when, for medical reasons, I had to file for bankruptcy. XXXX  still refuses to remove this from Experian, and Experian refuses to correct it.
Consumer complaint received 2022-06-14
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. (MS)

I would like for the bureaus to highly look into this matter as soon we possible and remove the items that do not belong to me. It is honestly unfair that I have to go through this and do all this research when things could just be done correctly the first time. Thank You!
Consumer complaint received 2022-11-04
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. (KS)

After providing Experian with proper legal documentation of my " Legal Name '' and " Current Address '' Experian is willfully choosing not to correct the inaccurate information. 

Please see attached previous complaints XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-07-10
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. (DC)

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint number XXXX to remove and block these items.