davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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: Experian Information Solutions Inc. (AZ)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (MA)

Paid the car off @ XX/XX/XXXX at a TD Bank location in XXXX Ma. I was told it would take 30 days for the title to be returned to me. I still do not have the title and when I called today they said the lien had not been released but the car is paid off. I have no confidence in them at this point and can not sell the car without title and this is causing me financial harm as buyer is going to walk away from the transaction.
Consumer complaint received 2022-06-22
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: LoanCare, LLC (TX)

I have contacted loancare twice on incorrect credit reporting for my credit report. My mortgage statements are correct but are totally different than what is reported on my credit report monthly. I was given a {$14000.00} grant inwhich i am not responsible for paying and they are reporting to the credit bureaus as apart of my principal balance and giving me a monthly balance increase. I have attached what my authorized mortgage company reported, versus what LoanCare is now reporting.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX inquiries from XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX As hard inquiries on my credit report that I have no knowledge of as well as XXXX XXXX inquiries from XX/XX/XXXX and XX/XX/XXXX 2020
Consumer complaint received 2021-02-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (TN)

I have reached out to the company several and they have failed to respond to my complaints as well affidavit of truth. you are a 3rd party debt collector ( Lockhart Morris & Mo ) you are allowed to collect on a debt but not my personal information .this is a violation of my right according to the fdcpa title 15 usc 1692 2.in your bill alleged i owe this debt thats a violation 15 usc 1692 b2 3.15 usc 1692c c3 you called me at my place of employee harassing me and using profane language at and on convent time 15 usc 1692D 4.you have repeatedly called my phone when i notified you to cease all communications 15 usc 1692D 5.you threaten to sell my property this is a violation 15 usc 1692e 6 you know legal right only the power of a natural person can sue this is a violation 15 usc I this has no greatly harm my consumer report 7.15 usc 1692j deceptive forms you made this contract seem as though i owed a debt see statements you have sent out 8.15 usc 1692 k civil liability any violation found in a case is 1,000 per individual violation.

I have provided and ftc report according to section 605 b of fcra this item should be blocked within 7 days i have included it in my complaint. 
your company is criminally and civilly liable and demanding remedy.
Consumer complaint received 2019-10-25
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 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I called XXXX Bank of America on XX/XX/2020 at XXXX XXXX at XXXX in reference to 4 late payments reported on my credit. This created ticket # XXXX. 

I paid off final balance and closed my XXXX card in XX/XX/2020. I was told by call taker that it looked like a bunch of {$1.00} charges were coming in on the card after it was closed, based on original balance before closure and then added interest due to no balance after account was closed. 

He said the system automatically kept reporting to this to credit bureau and in total reported 4 late payments to my credit report. When I found out about this, I immediately paid the total of the four {$1.00} charges and added late fees that were established, totaling approximately {$30.00}. I found out about this from my mortgage lender who told me about the late payments showing up on my credit report. I was never notified or called about these charges and given the opportunity to pay the fees. The call taker said he would submit form to XXXX Bank of America as well as to the credit Bureau to remove the 4 late payments. He said the bank would call me and send letter by XX/XX/2020. He said I would hear back from the credit card company within 5-7 business and I should see my credit history updated by XX/XX/XXXX or XX/XX/XXXX depending on when it updates. 

I never received a phone call or letter from the credit card company. After not seeing my credit report updated, I called the credit card company on XX/XX/2020 at XXXX XXXX. I received the return call at XXXX XXXX and waited on hold for 16 min. while caller was trying to look up issue, then the line disconnected. I called back at XXXX, the automation would not acknowledge me pressing 1 to be put on the call back list. I called back at XXXX XXXX, I received call back and lady said she didnt see anything on my account, except that it was closed. She transferred me to claims, I was then told my claim was rejected stating they did not see any errors. The caller said there was no further action I could take. I explained again I was unaware of the charges and would have happily paid {$1.00} charge if I knew any of this was going on. He said their practice was to send out letters but said there was nothing on record that confirmed any notices were sent to me and I told him I was never notified of any of these charges. Once I found out from my mortgage lender, I paid them immediately. I now have four late payments on my credit history, which drastically affected my credit score. I would like this removed from credit report as I had no knowledge this had even happened after I paid in full and closed account. 

Thank you for your time.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following account has been reinsurted to my TransUnion credit report. 

" XXXX XXXX XXXX '' This account has been reinsurted without my knowledge without notice as required by federal law section 1681 of the FCRA rules.
Consumer complaint received 2021-09-11
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: CITIBANK, N.A. (NC)

In XX/XX/XXXX, we purchased a chicken coop online for {$1000.00} paid with our Citi credit card. What we received was a damaged piece of junk that continued to fall apart after assembly, deceptively marketed with fake reviews and unable to be returned. After a month of failing to convince the vendor to honor their warranty, we disputed the charge with Citi on XX/XX/XXXX for Goods / services not as expected. 

Citi assigned the dispute case XXXX, and on XX/XX/XXXX they closed their investigation for the first time and reversed the conditional credit, claiming we were responsible for the charge. Their inexplicable reason for this was a response from the vendor of proof of delivery a fact never in contention. It also set the pattern for continued interactions with Citi. 

We provided additional information as requested by Citi time and time again. These responses went to them on XX/XX/XXXX ( closed XX/XX/XXXX ), XX/XX/XXXX ( closed XX/XX/XXXX ), and XX/XX/XXXX. First, they wanted proof of the issues. Then they wanted us to return the coop, even when we had already explained why we couldnt. Their last response was perhaps the most egregious, they ignored all content of the message and simply said they appreciate your feedback before closing the dispute again. 

We have been customers of Citi since XXXX, and despite all the evidence and messages we have hit a wall. Citi has refused to address the reason for the dispute, has refused to answer our questions about their investigation, has refused to reopen or review the dispute any further, and is instead is standing by a deceptive scammer.
Consumer complaint received 2021-07-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I had an account with this company. My account with XXXX XXXX XXXX what is a credit card account that I opened in XX/XX/XXXX. The account was in good standing for a long time and had a minimal balance. Then in XX/XX/XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to XXXX XXXX XXXX and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to portfolio recovery Associates and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to portfolio recovery associates they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. XXXX  XXXX XXXX  account # XXXX
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (VA)

While XXXX at XXXX XXXX, XXXX XXXX, final dues were never communicated in spite of repeated follow-ups. 
FINAL BILL OF {$440.00} sent by XXXX XXXX XXXX with fines. {$25.00} and {$110.00} late fee on XXXX XX/XX/2019. I denied paying the late fee and agreed to pay the full amount multiple times. Repeated follow-ups and requests for fine removal and settlement yielded no results. 
Collections XXXX finally slapped even more fines and reported {$590.00}. 
They harassed me by calling me multiple times during work while I was inNew York.
Consumer complaint received 2024-10-11
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-19
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following inaccurate accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-14
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. (NC)

XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to Transunion and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX. I am an XXXX XXXX XXXX  XXXX  and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to TransUnion and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX & experian violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CO)

I purchased 2 visa gift cards from XXXX XXXX on XX/XX/2021 in the amount of {$100.00} each ( {$200.00} ). My grandchildren registered the cards online and seen there was a {$0.00} balance. I called XXXX and, first of all ), they kept me on hold for over 90 minutes, then they said they have to go to us mail to send fraud form for grandkids to fill out. They never got them. So I had to call them ; wait again, and they said they can not talk to me because the cards are not in my name, so I had to do a XXXX call for them to authorize me to speak on their behalf. They said I had to send a letter for each card explaining what I think happened, etc. So I faxed it to them and when I called back, ( wait AGAIN ), they say I have to verify card before they can speak to me. I asked to speak to a manager and I waited for over 30 min and never did get a hold of manager. All they do is give me the run around... big time!! I have NEVER had such bad customer service in my life, on top of loosing {$200.00}!! Someone has to do something about this customer service and their fraud process!! This is the most unprofessional company I have ever had to go through ... utter nightmare!! Also, spoke to a XXXX XXXX supervisor about this because I purchased there ; he stated he is going through the exact same thing with this company... crazy!
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

Ok so I had had to file a complaint about unaccounted for money in regards to my deduction and additions pretty big difference and lucky im smart so I've got screen shot of transaction in one location in my bills and then hours later new ones that were previously days before that they swear had been " pending '' what they do is take it that day say its a hold then take it again so now that I've made it known gotten a lawyer and let them know every payday I have my card locked before I make my first transaction so I go to atm XXXX my time of course card doesn't work they have blocked it and I have to call and unlock card then halftime I call about this or missing money situation they laugh at me and have me hold for hours transfer me back to first deep after numerous complaints XXXX just to be hung up on bank of america has successfully between outright stealing my money and charging XXXX dollar outside network adnthe XXXX per atm and debit transactions eat up at least XXXX XXXX dollars monthly maybe upward of XXXX this misconduct and mismanagement of my money has cost my credit score severely and made me unable to pay creditors borrowed extensively from friends and family lost car XXXX my dog run off and my ole lady
Consumer complaint received 2021-08-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

XX/XX/2015 I borrowed {$2500.00} I paid off the debt as agreed to the original debtor ( Speedy Cash ) and the company never cleared the debt and they are now stating that I owe {$3400.00} I would like it to be cleared from my credit.
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 — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc. (LA)

this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TOWER LOAN-XXXX XXXX  Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX TOWER LOAN-XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX TOWER LOAN-XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX Was stolen at XXXX XXXXXXXX XXXX XXXXXXXX pa!! Police report needs filed!! 

XXXXXXXX XXXX XXXX. And XXXX. Was not refunded by airline 5 years ago I don't know how to navigate court system. I'm getting ready to XXXX XXXX XXXX XXXX 
Trying to get XXXX. 
Its only me and XXXX. 
Nobody is helping me. 
XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I applied with Chase to refinance my current mortgage loan. We came to point where I was told that my loan has been conditionally approved, and that I will have to provide additional documentations. Also I was told that they need to have my property appraised. earlier I was asked to pay {$500.00} as earnest money, which to my is understanding will be added to whatever charges to be included to my loan. 

About a day after, I received a better offer from another company. Hence, I immediately contacted my Chase Loan Advisor and Client Care Specialist that I have decided to decline Chase 's offer. Chase even offered to possibly match, if not beat the other company 's term. 

Later I emailed my Chase Loan Advisor to inquire about my {$500.00} deposit and I was told that since I was the one withdrawing, my {$500.00} is not refundable.