davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Driveway Finance Corporation (NV)

I had my identity stolen and I found out it was being used in many different states a couple years ago. Ive filed a police report. Years later in 2024 Im trying to purchase my first car and Im getting denied left and right because I have a car loan in collections as well as a repossession under my name. I searched for more information to find out the company Driveway by XXXX, which is an online car dealership. A XXXX was loaned from that company but I never received the car or knew anything about a car being delivered to me.
Consumer complaint received 2015-11-18
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Continental Credit Control (CA)

This is the second time that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, ( XXXX, XXXX or fax XXXX ) has enlisted Contintenal Credit Control ( CCC ) to pursue payment from me without ever providing a bill to indicating payment was needed in either case. My credit score is over XXXX ( in top XXXX % of Americans ) this does not happen without conscientious attention to XXXX bills. I am about to pursue a loan to fund my portion of an assessment on my condominium and if my credit is harmed due to XXXX malfeasance, I will seek potent remedies. Please help.
Consumer complaint received 2024-11-13
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 would like to file a complaint against the three bureaus regarding to the incorrect information on my credit report. These wrong information on my credit report are severely affecting me. I would like to request that these wrong information be removed from my credit report. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CA)

On XX/XX/XXXX I sent XXXX XXXX to my bank account in XXXX on Wise.com. Wise informed me the transfer would take 3-5 business days. On XX/XX/XXXX Wise website informed my money had arrived, but I couldn't see it in my XXXX  XXXX  account. After asking, Wise told me I needed to send proof of wealth, to share with the intermediate XXXX XXXX they use ( Wise did not inform me about an intermediate party before ). I then sent Wise my 2023 tax return and my 2023 W2 form, which show more than enough funds to cover the amount of the transaction. 

Then 5 days later I get the following nonsensical message from Wise : " The property must be listed on the tax declaration. If not, we need to understand why. You also need to send the property registry document ( the document should have been issued within the last 30 days ) with your recipients name on it ''. I have no idea what they mean with this, as it's a transfer of cash from my bank account in the US to my bank account in XXXX. There is no property involved! 

I then call Wise call center and talked to an attendant. She seemed to be helpful, acknowledged that she also did not have any clue about the last message and said next morning Wise would solve it. She asked me to also upload my payslips, which I did. Next morning nothing happens and I call Wise again. A completely incompetent attendant told me that only now that I had send a proof of wealth ( the payslips ), they could send it to their partner and it would take 5 business days for them to evaluate it. I asked the case to be escalated, as I told him I had send proof of wealth ( tax return+W2 ) more than 6 days ago. He then hang up the call on my face. I tried calling several other times, but they were always unhelpful ; in one time the attendant was screaming she couldn't talk to me because of a noise in her house! Wise refuses to escalate my case and complete my transaction. My family in XXXX is in desperate need of the money that Wise is illegally withholding
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to place a credit freeze online but was unable to do SW. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (CA)

Today XXXX Friday XXXX XXXX, XXXX Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear XXXX XXXX, '' " RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' " This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' " You can make a free online payment now by signing into your account. '' " If you can not make a payment of the total amount due today, or need assistance with your account, please contact us at the number listed below. '' I never received my initial statement via Email or otherwise. 
Synchrony Bank has already charged me the {$35.00} late fee. 
I have a XXXX card and A XXXX Card, they mail me through the US Postal Service my statements at least 10 days before its due to advise me " You have a payemt due on this date in the amount of XXXX I also have a Pay Pal account to which I receive through my Email and I get that well ahead of time noticing me .. '' Your Paypal Statement is ready '' and " Your Pay pal Statement due date is coming up ''. 
I do not understand why this company can not have the courtesy to consumers by sending out statements ( especially by email ) a sufient timing to pay ; not after its due? This whole time I have been expecting my card and statemtent into the mail through the U.S.P.O not through Email. Not to mention that I did not recieve my credit card. 
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a " New, Loyal and or Long term customer? '' Please look into this because ALL I want is the late fee waived for their dishonesty.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

Even after disputing the debt for identity theft and it showing back up, the company refused to delete it, instead told me that I would have to go to civil court. I was told that even though I showed proof of the debt being a result of identity theft, they told me they wouldnt delete it unless I went to civil court.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

We financed a house with Bank of America in XXXX and the market that crashed in XXXX took down a lot of businesses. XXXX XXXX did n't have a lot of work and was dealing with a back injury. We held on until XXXX and tried to make payments the best we could. In XXXX of XXXX we applied for a loan modification with a company called XXXX XXXX Modifications. They promised that our payments will be lowered and we will be able to refinance and live in our home. It all turned out to be a scam though. They acted like they were trying to help us but on XXXX XXXX they canceled the loan modification without giving us notice. Then they disappeared into thin air and took all our money in the sum of {$4800.00}. And did n't help us any. After the appointed court date passed the " lawyer '' that we hired gave us the paper that we needed to go to court, but as the date passed already we could n't do anything. On XXXX XXXX XXXX a XXXX XXXX XXXX brought us a pink paper that stated we were getting evicted on XXXX XXXX XXXX because the house had been sold without our knowledge. By this time XXXX XXXX of New Leaf Modifications and XXXX XXXX the lawyer that we hired through XXXX disappeared. All the papers that we got that printed out from XXXX XXXX Modifications printed out on XXXX/XXXX/XXXX we got only in XXXX of XXXX in the mail. Now 7 years later XXXX XXXX has a debt of $ XXXX without living in the house since XXXX XXXX. If there is anything we can do please help because XXXX ca n't work since the banks keep taking his money every check we put in the bank.
Consumer complaint received 2024-09-25
Product: Credit 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: JPMORGAN CHASE & CO. (PA)

I would like to file a complaint against Chase Credit Card company because their customer service representatives gave me erroneous information on three separate occasions in XXXX and XX/XX/2024, causing a {$95.00} charge to nearly double and resulting in a detrimental impact on my credit score. 
I called Chase customer service on XX/XX/2024, to ask if a {$95.00} annual fee could be XXXX. I had not used any of the benefits or services that this fee supposedly provided as I had lost my job the previous XXXX and was still trying to get my finances back in order. 
I was assured in a recorded phone call that it wouldnt be a problem and that I should wait for the next billing statement to see the change. Each time I checked my account online it continued to show the charge plus accruing interest. I called again on XX/XX/2024, and was given the same information. By XX/XX/2024 the charge still hadnt come off of my statement so I called again and was told rest assured the credit would show up in the next billing statement. 
In May I received the first letter indicating that the account was overdue. On XX/XX/XXXX I called and spoke with XXXX ( XXXX ) and was informed for the first time that the {$95.00} could not be removed and that I had been given incorrect information by the first three Customer Service representatives in XXXX and XXXX. I wrote a dispute letter to Chase but never received anything in response. 
On XX/XX/XXXX I called Chase again and spoke with XXXX XXXX XXXX ) who eventually brought a Customer Service Supervisor named XXXX on the line. XXXX said she would go back and listen to the recordings of those XXXX and XXXX conversations, but I never heard from her again. 
On XX/XX/XXXX I requested the transcripts of the three original customer service interactions but I was denied. 
Chase has begun to ignore me since an XX/XX/XXXX secure message I sent, followed by a further attempt to reach them on XX/XX/XXXX. As a result of this dispute, my credit score has dropped XXXX points, and XXXX other credit card companies have reduced my available balance. 
In desperation, I paid off this {$160.00} balance before it does any further damage to my previously excellent credit, but I want to file this complaint about Chases customer service representatives. At best they are poorly trained or misinformed, and the fact that three different agents gave me the same erroneous information on three separate phone calls indicates a pattern of deceptive customer service practices. 

I am attaching a .pdf including my initial dispute letter mailed to Chase plus all of the correspondence exchanged via the secure messages tool on the web account.
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

A previous complaint was filed. CFPB Complaint ID : XXXX. Capital One Case Number XXXX. XXXX XXXX asked to reach out to her. We did through the local bank. The local bank officer called her while we were there and left a message. No responce from XXXX XXXX. Because there was XXXX of dollars transfered without authorization from our mother 's account the local police and sheriff have subpoened the bank statements. They know who transfered the money and have copies of the statements the bank provided us last year. It took the bank one day to print them last year. XXXX XXXX [ XXXX ] is who handles subpoena request for Capital One. The police and sheriff need the statements from the bank to pursue the individuals who took the money.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JPMORGAN CHASE & CO. (NY)

I have been garnisheed numerous times over the last 25 years. I owed the IRS and any garnishees previous were discontinued. I paid off the IRS and suddenly a garnishee re appeared. The current XXXX is Providian Bank or actually the collection agency who bought the debt. It has been so many years I have no idea who. After this I am in understanding that a XXXX XXXX who purchased debt is waiting in the wings and placed a judgement XXXX of 2014 which I have no paper work for and no idea who it is for. Any credit cards that I have been garnisheed for are at least 15 years old, probably more. Most of the garnishments on me were placed and I ca n't even begin to tell you by whom and I may be paying debt more than once. I am please asking for this to be looked into and help me if possible.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (CA)

A co-worker wanted me to co sign for a loan so we went in to Wells Fargo where we both bank, my co-worker had already spoke with a personal banker which explained to him the whole process. That day she asked us for all the requirements, I told the banker I was in a hurry and my time was limited. So I told her let me now when I can leave, I 'll sign what I need to and my co-worker can finish the process. While we waited for the loan approval she asked if I was interested in a credit card she did n't explain much all she said is that it was 15 months 0 interest, so I told her again that I had an appointment that maybe another day she can give me all the details about the credit card. after that we did n't discuss anything about the credit card. Once approved for the loan she handed each of us a copy of what we had signed for the personal loan, I went on my way and my co-worker stayed to receive the loan. About a week after I received in the mail XXXX credit cards XXXX for my co-worker and XXXX for me, I was shocked to when I opened the envelope. I looked for the copies that the banker had gave me but nothing showed that I had signed for a credit card. I waited about XXXX weeks, never activated the credit cards went in to the same bank to explain what had happened. Once the banker went over the credit card details I told her I would keep it only if I could remove my co-worker from the credit card and still keep the 15 moths 0 interest. She made some calls to see what she could do, she said that in order for me to keep the credit card I had to close the account and re-apply on my own. Even though I had not even applied for it to begin with. that would require running my credit again. She promised to give me 15 months 0 interest she even put notes on her computer stating that she had called credit services and they would honor my request. 
well that was not true, when I activated my new card I called to verify the interest. They ran my credit for nothing, it was just a waste of my time, I went in to the bank a few times to solve that. A banker told me I would get a response within 10 days its been about 20 days I 've never received a call regarding that incident. I want my credit restored and the can keep their credit card.
Consumer complaint received 2016-01-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I went to the Citizens Bank branch to pay my home equity loan in person. i pay in person each month. I arrived on XXXX XXXX and was told they could not take my payment because the computer was down. I begged them to hold my check and process it the next day but they refused to do so ( i was told they had nowhere safe to keep it overnight ). I returned on XXXX XXXX and was told i was to be charged a late fee. They also told me to mail my payment instead of coming in personally ( as a customer, i find that insulting ).
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (MI)

XX/XX/XXXX has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm XXXX XXXX XXXX ... ... 3 vm XXXX/XXXX/2015 ... .2 vm XXXX/XXXX/2015 and I have saved all records. ... they also went into my bank account unauthorized XXXX/XXXX/2015 and on XXXX/XXXX/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number XXXX