davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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 (NY)

I set up auto pay on the phone with a customer representative for my AAA Bank of America Visa that I have had for 19 years. I have alerts on my account so I know every time my credit card is charged. I receive these alerts by text and email. I know when my email is ready to get paid due to alerts. This company does not permit you to set up alerts if a payment is missed. They will wait three months and then call you. On XX/XX/2021 I received a collections call. After speaking with the auto pay section, the representative apologized to me and stated the auto-pay process had not been completed and I should have been advised to call back in 5 days instead of being told it was in place. My wallet had been stolen and I was on the phone to set up the new account #, he said there was a {$50.00} pending charge from the prior account so euro pay couldn't go in place until then, so when the auto pay did go in place five days later it was after the due date. I can not understand why that would affect me setting up auto-pay on the new account. Regardless he said that they would reimburse me for late fees, he would set-up auto pay and then transfer me so another representative could be reimburse the late fees. He said my auto pay was on and I jumped online to confirm it was on. It was. The next representative who would assist me by reimbursing me for my late fees informed me auto pay was not on. I also informed me that auto pay it only lasts for 12 months and then you have to re-enroll. I did not know this and think this is something that should be written where you turn auto pay on and off. I went online and looked - next auto pay I see a green " yes ''. If I clicked on the word " auto pay '' - the amount of auto-pay is listed with the option to shut it off. I understand the bank representative me a mistake setting up my auto pay, and my credit has taken a hit for this. I still don't know if my auto pay is working or not. Right now I have to make sure that my late payments are credited because they can't do anything about them right now due to waiting for my payment to clear so that I am not in default.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-08
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

2 U S DEPT OF EDXXXX is still reporting on my XXXX   account after I sent disputes after 45 days. Seems to be re added after being deleted from XXXX  and Transunion they also Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report Transunion - I Sent over my FTC report and called in they refuse to remove unauthorized inquires - I told them they were fraudulent they have not removed them. this is a VIOLATION of the FCRA section 604.
Consumer complaint received 2022-06-21
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed my payment history with child support ( texas OAG ) with XXXX, and they fixed my payment history no problem, and changed all my past payment history to " paid, never late ''. I submitted the same information and proof to both trans union and XXXX and it has yet to be changed. Both are showing XXXX late payments over the course of 3 years. My child support comes DIRECTLY out of my XXXX XXXX XXXXXXXX and is paid directly to child support - WHICH MAKES IT IMPOSSIBLE TO BE LATE. Also, the dates that they are saying that I was late, I actually had primary custody and I wasn't even suppose to be paying child support. Attached are even correspondence with me and my lawyer back during that time and discussing what Child Support ( Texas OAG ) should have fixed back then. I was actually owed child support. I need ALL 3 of my consumer reports to read the exact same thing as my experian report does. To read " Paid, Never Late '' for any and every payment concerning that account. 

Office of Attorney General XXXX " Open Never Late '' Furthermore, the fact that child support is even on my credit report is illegal concerning consumer law. It violates 15 usc 1681b - permissible purposes.

I have not nor have I ever given Child Support or Texas OAG permission to furnish anything on my credit report. Child support payments aren't an extension of credit nor are they are credit transactions. 

2. It also violates 15 usc 1681a ( 2 ) ( i ) - under the Exclusions sub paragraph. Items on the consumer report should not include individual transactions or experiences. 

So if they are going to list this on my consumer report illegally, then it should atleast be reported correctly. If this can not be done, then legal actions will have to be taken due to each Transunion and XXXX knowingly violating consumer laws concerning reporting.
Consumer complaint received 2022-02-11
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. (CT)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I pad XXXX  the full balance of my credit card which was {$1100.00}. TransUnion refuses to update my credit file with proper information pertained to this account, they refuse to fix my report. I will attach a detailed letter outlining my dispute.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2021-08-03
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. (CT)

XXXX XXXX XXXX willfully and intentionally reported inaccurate information on my credit report reporting the same account with the same balance twice under two different accounts. This has hurt my credit score twice as much for the length of time they have been committing this violation. I have already disputed and brought this violation of my right to both the debt collector and the 3 major credit bureaus. XXXX  has removed this account but XXXX  and experian continue daily to violate my rights by continuing to report this inaccurate information on my credit report
Consumer complaint received 2023-01-20
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. (MI)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

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 conviction of crimes which antedates the report by more than 7 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 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from credit karma. I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX XXXX XXXX XXXX XXXX purchased my private information from Capital One Bank XXXX XXXX XXXX is allegedly claiming that I owe them {$1500.00}. I do not owe this company nor do I have a contract with them for anything. Both XXXX XXXX and Capital One Bank are in violation of consumer code 18 usc 1028a aggravated identity theft and 15 usc 1681.
Consumer complaint received 2021-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (OK)

I received a voicemail on my XXXX voice line from XXXX XXXX leaving identifiable information about my debt. They said on the voicemail that it was file in his office with the file number and who the original creditor is. 

Then he called me on my main cell phone number. I answered and it was XXXX XXXX. He was not rude, but did not identify that he was with a collection agency, or even give the disclaimer " This is an attempt to collect a debt, any information obtained will be used for that purpose. '' He went full throttle into talking about the debt. I contested verbally over the phone the validity of the debt. They ignored that my valid balance was {$100.00}. He only wanted to discuss what XXXX XXXX XXXX sent over to him. I told him that my balance got down to {$100.00} and XXXX/XXXX  tacked on a lot of fees to keep my balance high and this was not the first time they did this. I told him that I would settle for {$100.00}, he said he could not do that and then passed me off his supervisor who was quite rude and condescending. I told XXXX before I was passed off without notice that XXXX is still dinging my credit as of two days ago. He said they should not be doing that, but he did not seem concerned. 

I reminded the supervisor that he was in violation of the FDCPA, but did not tell him that what violation, just that I had been a debt collector for 18 years, and I am very well versed in the FDCPA. He said that the most he was allowed to give was 25 % discount. I told him that they bought the debt for pennies on the dollar and by offering this tiny discount was a farce, because they could offer more. He got really rude and refused to listen to a thing had to say and hung up. 

I want these violations addressed and fixed. These individuals have no training in the FDCPA or they act as if the FDCPA does not pertain to them. I have the recording of this call if needed to verify my claims. I am in a one party state.
Consumer complaint received 2021-08-11
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal denied my application for a home loan, claiming my credit scored did not meet their requirement, it was reported by XXXX  of XXXX. Navy Federal system shows one Credit Score from XXXX  and uses a different one for loans. XXXX  Credit score does not match with the one they show in their system.
Consumer complaint received 2023-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

( XX/XX/23 ; XXXX ) I received a scam call from the PNC Bank Customer Service Line . They informed there was a fraudulent charge through the XXXX XXXX. I told them I made no charge through XXXX. After activating the XXXX account while on the phone with the scam caller, there was one transaction already made on the app, to XXXX XXXX. Talking further with the scam caller, they informed me that to refute the charge, I had to send {$100.00} labeled as " void '' to be able to refute the first charge. I argued with them on why it needed to be done and they tried to reassure me that they were PNC Bank, but referring to the phone number on the back of my card, stating it matched the number they called me from. Once I confirmed the number, I asked more questions about why I had to send money, and from what was said, it sounded like some of the things the bank told me in a ( XX/XX/23 ; XXXX ) earlier phone call about other fraud charges that resulted closing my card on the same day. I have tried to dispute the charges multiple times ( XXXX XXXX XXXX XXXX XXXX ). On a phone call today ( XX/XX/23 ) was essentially told I am at fault by their Escalation Department and they do not protect scam, even though one payment of {$59.00} was not made by me. I will admit I sent the {$100.00}, as described above was apart of the process in refuting the transactions. Neither PNC Bank or XXXX will help me in receiving my money back, even though I have explained I do not know who the money was given to and I was called from the PNC Bank Customer Service Line. I have also been told that PNC Bank is not affiliated with XXXX, yet they have a personal link to XXXX in the PNC Bank mobile app and receive promotional emails from PNC Bank to use XXXX through their mobile app.
Consumer complaint received 2022-06-21
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  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.

15 U.S.C. 1692C A Section 1 : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location. 

The debt collector has communicated with me without my express permission, it has furnished my account without my written instructions and has violated my privacy.
Consumer complaint received 2023-07-20
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)

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 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

West Lake Services is reporting a debt on my credit file that is no longer owed. I recently took a look at my credit and noticed this debt is reporting on my file. I am aware that this debt is past the statute of limitations in California. Not only that but this debt is past the credit reporting limit and continuing to report this is a violation under the FCRA and the FDCPA.