davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
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. (CA)

I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX XXXX, XXXX   XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

They close my account because I didn't give them a lease agreement. It was the branch in Indiana who did it to me. There's not the first bank in Indiana to do something like this to me. I have to keep my actual address a secret. Because I have stalkers and people pain people to slander me. Take me out. Do whatever it tastes to make sure that I stay homeless. This is no joke. There's a proven paper trail and I'm tired of being homeless. I do nothing but do good. Build my credit and try my best to get out of my situation. It was branch managers being part of it for regions and old national because old national closed. My bank account instantly the next day. Because the branch manager was related to my sister 's husband so she closed that account and made it XXXX  's blacklisted in XXXX XXXX and now in blacklisted in XXXX, and I haven't even done anything nothing that goes against any other policies just hid my actual address. Which is not required to have a lease agreement. They tried to make it to where I didn't get my XXXX. They failed. I need the branch XXXX of the XXXX XXXX branch.The where I open the account needs fired i've been dealing with this type of stuff for 10 years. XXXX has allowed people to slander me, and now that i'm not getting on XXXX, just like before they're paying people to do this to me.
Consumer complaint received 2021-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A transaction was made on XX/XX/2021 to a user named $ XXXX via the app XXXX in the amount of {$280.00} for goods I had purchased. A second payment was sent on XX/XX/2021 in the amount of {$20.00} for shipping costs related to the first transaction, however that second charge was disputed with my bank ( Bank of America ) and resolved. The other transaction was not. 

The person I made the transaction with used an app called XXXX to list fake items to sell. I had purchased a necklace from them not knowing it was a scam because they had used photos of another person 's listing illegally. They then proceeded to contact me under the XXXX XXXX XXXX and now XXXX and tell me they can not use XXXX to process the payment and insisted on XXXX. Thus, I made the transaction. After a few days I kept inquiring about the tracking number to no avail and they made excuses as to why they could not ship said item. Suddenly the account disappeared and all contact with the merchant was cut. I immediately requested a refund on XXXX which was rejected. Since I had no other choice I filed a dispute with Bank of America to which they responded that I can only directly contact the merchant to get my money back. I'm not able to do this since I have no personal information of this scammer and this was a fraudulent transaction. I did not receive the goods purchased and was scammed into sending money via the app XXXX because there are people conducting fraud on it. 

My dispute to BOA was submitted on XX/XX/2021. It took them over a month to respond to my claim. Bank of America had me to believe that they were reaching out to the merchant 's bank and that they would reach out to me on my end to describe the situation and provide documentation but after over a month they randomly closed my case with no support. 

I reached out to a XXXX  named XXXX through XXXX XXXX 's support and she stated they are unable to cancel or refund the payment and that I'd need to resolve the issue with the recipient of the money directly. I stated once again I'm unable to do this. It was very unhelpful and I'm reaching out to the CFPB to step in and provide some resources to get my money back to the rightful source and to make sure this person stops scamming people because they could still be listing items to get people 's money. Thank you
Consumer complaint received 2018-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (WI)

I contacted the XXXX  also goes by " XXXX XXXX XXXX XXXX  WI, XXXX ''. It is also believed that they go by " Cashnet USA ''. A few months ago, I reached out to their customer service phone line and requested to have information relating to how much the remaining balance was for my loan. They said at the time I called that I owed {$780.00} dollars. The loan that I took for an emergency move into an apartment was for {$1000.00}. The term of the loan began on XX/XX/XXXX when I received that money into my bank account. Due to my limited income, I requested a reduced payment plan and the only way I was given the loan was to provide my banking account information upfront and to agree for deductions in the amount agreed upon prior to taking out the loan. I was in a desperate situation to avoid homelessness, so I was forced to accept this agreement. My personal bank was refusing to lend me any money due to my credit. From XX/XX/XXXX to XX/XX/XXXX ( today ) I have made every payment on time as scheduled for the agreed upon amount of {$62.00}. This means that for 507 days, I have remained in good standing for paying off my loan. This amount of 507 days is equal to 1 year and 4 months worth of payments. The last date of my payment is listed as XX/XX/XXXX. This date is over 2 years after originally taking out the {$1000.00} loan. I, the consumer, believe that this is unfair treatment for someone who has paid off their loan on time for nearly 1.5 years. The consumer would like to have the remaining balance of {$660.00} ( as of today ) forgiven immediately. The consumer would also like the remaining balance of payments made beyond the cost of the principle balance refunded to him because it was not clear that the agreed upon payment would take over a year to pay off. 

The annual percentage charged was 148.09 % for the loan. Payments have been made on time on a bi-weekly basis. The amount of the loan on XX/XX/XXXX was {$1000.00} but the total amount I am expected to pay by XX/XX/XXXX will be {$3200.00}. This means that I as a consumer will have paid an additional cost of {$2200.00} despite making EVERY payment on time for a period of 507 days. The consumer was not properly informed that such exorbitant chargers would occur for individuals who made payments on time.The consumer believes that the additional cost should be refunded back to him upon the completion of the loan if nothing is resolved prior to the loan being paid in full.. The consumer believes that even if proper information was provided to the consumer, that such practices of market cost should be deemed as illegal.
Consumer complaint received 2021-10-06
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. (FL)

I have attached an account that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the account with the inaccuracies.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (TX)

I am writing in regarding to my XXXX " XXXX '' XXXX XXXX, account ending XXXX. I have been getting your annoying statements every month and each month the price keeps on increasing the amount due. I have closed the account and I no longer have an interest in your XXXX  card. I felt that they want to aggravate people by not waiving the fees. I have paid all the charges on my account. They claimed that the mount was paid got returned back to my bank and it was out of their control. So they charged me doubled to the amount I owed. Instead of waiving the fee as a customer courtesy since I did attempt to pay the amount. After writing them letters and calling them to waive my fees and remove the charges, they denied them. They kept on saying it was out of their control. They are not willing to make any efforts whatsoever. They never show me the bank withdrawn the mount or prove to me that the amount was withdrawn by the bank. According to my bank statement, the mount was sent as shown attached. They ceased my account on purpose so the amount in the account will accrue without me knowing. I am so stressed out when I see their bill every month. It started at {$24.00}, now it mounts to over {$150.00}. This company must be desperate for money. They ignore all my requests and I am their victim. Please call me at XXXX. I believe XXXX XXXX XXXX XXXX is FRAUD! They are cheating their customers by charging extra nominal fees, and neglect to waive any fees. Please help to resolve my issue.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2023-03-30
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. (GA)

On my Equifax report, the XXXX account is old and should have been deleted. The first date of delinquency is not showing and it should show a date where tge account should have been removed. It has been over 30 days and Account is still not fixed. I am having the same issue with the XXXX account and XXXX  account as well.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (NY)

The date is XX/XX/2018 thr time is XXXX I sit here making a complaint against The American Express Blurbird Card I usually get my Direct Deposit the day or 2 before everybody else I have been waiting patiently for this Direct Deposit only to find out this morning at around XXXX XXXX   that Bluebird is down for scheduled maintenance that was 7 hours ago I tried to call Bluebird and to see how long its going to be down and I keep getting disconnected the phone rings once then disconnects I have not heard of any updates nor have I gotten my Direct deposit that should of been here today I am so beyond upset with Bluebird and will no longer be a customer of theirs please fix this
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is my NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED
Consumer complaint received 2018-11-29
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. (TX)

I mailed a certified signature request letter to Experian on XXXX XXXX. 
The never responded its been past 30 days. 
I mailed another letter XX/XX/2018 certified signature request requesting verification.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA Compass Bank always hold my transactions over the weekend and do not post my payments until Tuesday or Wednesday of the following week ... when they do that it cause my account to be negative and they charge me {$38.00} for each amount that they post to my account ... however the money was already paid out but they are holding my transactions ... they are trying to say they are paying these charges for me and they have to charge me all those fees ... this is not true because not any of the payments were returned NSF ... its a scam they do this on all my direct deposit of my payroll ... this has been happening bi-weekly since I opened this account in XX/XX/2018 2018
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

I received a XXXX XXXX alert at the beginning of XXXX notifying me of a medical debt collection from Commonwealth Financial. First, I never received any notification of a debt owed - not a call, email, or mail from the alleged original creditor nor Commonwealth Financial ; this is a clear violation of FCRA. Secondly, I researched the claim and found the name of the original creditor - one I had never heard of - alongside a date that backed to 2014. I made all attempts to try to contact the original creditor, but they do not seem to exist. Most phone lines were out of order, and one that worked went to a hospital - not the company listed. No one could find records of this supposed owed debt. This fraudulent action dropped my credit score drastically in the middle of the home buying process ; in addition, other lenders closed their accounts with me as a result. XXXX has removed this fraudulent claim from my credit report, but damage has already been done. I intend to seek legal action ; it appears there are already lawsuits against this company, whats another one? My fear is that others are paying fraudulent debts to make it go away thinking that theres a chance it may be legitimate.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (NC)

I have an American Express Serve card this the 4th time I have had an issue with my receiving my money. XX/XX/2018 I couldn't receive my income taxes because there is always with the system. In XX/XX/2018 my DD was late they shut the phones off so customer couldn't get through. On XX/XX/2018 while on vacation in Tennessee I didn't have access to my account for 2 hours and now on today XX/XX/2018 I have called 5 times about why I have received my direct deposit I was given the run around. I couldn't pay my bills that were due today and now my phone will be off tomorrow and I don't have any food this is ridiculous. I opened an account at real bank I just need my money.
Consumer complaint received 2024-11-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III (CA)

I received a debt collection letter from you. Do you have the right person? Please supply me with a contract or agreement signed with your company or the Creditor. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owning this debt. Thank you for your immediate cooperation
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2018-11-29
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. (MS)

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting