davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (TX)

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AMEX, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texas Penal Code Section 32.51 , which pertains to identity fraud.

It has come to my attention that AMEX has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities.

Furthermore, Texas law under Section 392.301 of the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information. 

I have not provided consent for AMEX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers. 

I hereby demand that AMEX immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AMEX into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that AMEX will swiftly correct these violations and respect my rights under the law.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I have had issues with Navient for years and should have filed a complaint earlier. I am writing this complaint now in hopes that more complaints will aid with the lawsuit against them. 

I have {$260000.00} in federal student loans and have had continuous issues with delays in processing paperwork, poor communication, differing answers between different Navient representatives, and false information. This is only a handful of the problems I have had with them. 

1. When XXXX XXXX switched to Navient and my first renewal period came up for my repayment plan, I was advised to use a plan that would cost somewhere around {$800.00} per month, which is what I paid for the first year. When the next renewal period came up, I again spoke with a representative who recommended to stay with the current plan. I submitted the application by mail in XX/XX/XXXX and by XX/XX/XXXX had not been approved. I called again and the representative told me that no application had been received. I submitted a second application and in XX/XX/XXXX called to check on the status. I was again told that no application had been received, but that I should actually sign up for a REPAYE. While working on a third application, I called again and the representative told me that two applications were already on file - one that posted in XX/XX/XXXX and one in XX/XX/XXXX. I submitted the third application for the REPAYE plan and after about a month was finally switched to the new plan and my payments dropped to about {$300.00}. 

2. At one point I was told that I could not change the schedule on my automatic debit payments. Somehow I was paying a month in advance on part of my loans and wanted to have all of my loans on the same payment schedule. I was told that I would not be able to ever use the same bank account for a payment again if switched the schedule and the only way around it would be to open a new bank account. 

3. This past XX/XX/XXXX, I submitted an application for renewal of my REPAYE plan. I called at the end of XX/XX/XXXX and was told that the application was still being processed. It is now XX/XX/XXXX and I still have not received confirmation of renewal. 

4. When I made the transition to the REPAYE plan initially, I was told I would have to have one month of standardized plan payments, but that I could pay any amount between {$5.00} and the full amount ( which was something like {$2000.00} ). I asked if there was any advantage to paying the full amount vs {$5.00} and they said no and recommended to pay just {$5.00}. That is what I paid, and I still do n't know if that was the best move from my perspective, but I can see now that it is beneficial from their end.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK (NY)

I applied for a secured credit card with Discover. When I first applied they told me that I needed to upload a photo of my social security card in order for my account to be verified. I was XXXX during this time and did not have my social security card on hand, so I decided to not move forward with the account. I did not express this to the bank, but I assumed they would not approve me for the card without proper verification. Since this was a secured card, I provided my account information where the money would be taken. Four weeks after applying for the card, I saw that I {$200.00} had been removed from my account. I called Discover immediately and they told me my card had been approved. I told them to close the account immediately because I never gave verification for them to open it. They then told me they would close the account, but I would n't be able to have the {$200.00} back on my account for 3 cycles ( 90 days ). I am a college student and I opened up this account to try to build my credit. Before opening this account, I had no credit score at all, since opening this account and then closing it, I now have a score of XXXX. I never used the card, so the balance was {$0.00} and I closed the account within hours of it being approved without my permission.
Consumer complaint received 2016-12-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage sent me a check for an escrow overage of ~ {$400.00} in XXXX. In XXXX, they told me my escrow account was short {$190.00} and I had to send them that immediately, but my payment would also be increasing to cover larger escrow in the future. Why did n't they calculate future escrow at the time of the refund, keep the money and keep my payment the same?
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I was issued a credit card at Macy 's but my address was incorrect due to an error of Macy 's. I made a credit card purchase of {$24.00} but never received an invoice or billing statement. Macy 's referred my account to collection without ever sending a bill to my correct address, and has now added additional fees of {$260.00} for a total due of {$290.00}. I have called Macy 's on XXXX, XXXX, XXXX, XXXX, and XXXX attempting to rectify this collection issue and agreeing to pay the original amount charge of {$24.00} and informed multiple representatives of my correct address. I have repeatedly asked to speak with a supervisor, which has repeatedly been denied. I sent the company a written dispute letter, for which there has never been a written response. I have never received an original bill for the purchase I made, nor given opportunity to pay the amount I owe, which is in violation of the FCRA. The address error is fully and completely a fault of Macy 's. Before collection proceedings began I should have had full opportunity to pay my bill, but never received XXXX due to Macy 's error, not my own. My account should have never been referred to collection at all, and I have agreed repeatedly to pay my original purchase amount. The company refused to take any payment while the account was in dispute, but continued to charge outrageous fees. As of this date I have not received written communication even though Macy 's is fully aware of my correct address given to them repeated by telephone and in written communication.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Urgent Request to Review and XXXX XXXX under FCRA Section 623, Truth in Lending Act, and IRS XXXX  Guidelines Dear XXXX XXXX XXXX XXXX am writing to urgently request that you review the reporting of my account with Account Number XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), the Truth in Lending Act ( TILA ), and IRS regulations XXXX the cancellation of debt. 

I have identified inaccuracies and potentially fraudulent activity associated with this account. As per the Truth in Lending Act, I am entitled to accurate and fair reporting, and I am currently in the process of reporting this entire transaction as fraud. I also intend to report this matter to the IRS, as the nature of the transaction XXXX have further implications for both tax reporting and compliance. 

According to IRS XXXX XXXX XXXX XXXX are required to file Form XXXX with the IRS when they cancel XXXX debt of {$600.00} or more, as this canceled debt is generally considered taxable income for the debtor. The publication specifies : A debt is deemed canceled when a creditor decides to stop trying to collect on it or reports it as a loss on their books. This XXXX include a charge-off on their financial records If you have reported this account as a charge-off or have ceased collection efforts, you XXXX be required to issue a Form XXXX to both the IRS and myself, indicating that XXXX debt has been canceled. Failure to align your reporting practices with IRS, FCRA, and TILA guidelines not only results in inaccuracies on my credit report but also causes harm to me by putting me at risk with the IRS, as this is considered taxable income. I am trying to stay in honor by ensuring my records are accurate and compliant. In light of these concerns, I request that you : XXXX Review, verify and delete the current reporting status of this account on my credit report. 
XXXX. Provide documentation clarifying whether this account has been considered a canceled debt under IRS guidelines. 
XXXX. Issue Form XXXX if applicable, or correct any inaccurate information reported to credit bureaus. 
XXXX. Respond to my claim of fraud under the Truth in Lending Act, providing a thorough review and documentation of the accounts legitimacy. 

Please respond within 10 days to confirm your receipt of this request and to inform me of the actions you will take to address these issues. If this matter remains unresolved, I will continue reporting these concerns to the relevant regulatory authorities, including the IRS. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in XXXX to be removed. 

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 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!

Delete the late payments from my consumer reports
Consumer complaint received 2016-12-04
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AR)

XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry
Consumer complaint received 2024-11-12
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 2016-08-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (DC)

My husband and I currently have an Ally Bank checking and savings account. When Ally Bank announced that it would also have a credit card, it seemed natural and easy to sign up for this card. To start, this card is unrelated to Ally Bank - in fact, XXXX XXXX runs the credit card and they refuse to acknowledge any connection with Ally ( rightfully, because there is no connection ... thus, this is not an " Ally Bank '' credit card ). I feel strongly that their advertising was misleading. 
This card has been nothing more than a headache - they refused to add my husband as a co-applicant ( claiming that he could only be an authorized user ) ; I could not register for online banking and they could n't help me - so all of my transactions have had to be over the phone ; I paid off my card and they withdrew the money from my checking account, but are holding the money for 8 days. Holding my money for 8 days is irritating and unreasonable because, during that time, I am not earning interest on that money ( they are ) and I now can not use this card until the money is cleared. Again, this goes back to the real problem that they are not actually connected to Ally Bank. I contacted them and, due to the hold, they can not allow me to access my credit card account online ( does that even make sense? ) and they can not abrogate the 8 day rule. It 's unreasonable to hold this sum for 8 days and my husband and I will no longer be using this card because it is so incredibly inconvenient. I understand they may be working out the kinks, but I 'm not willing to wait for this.
Consumer complaint received 2016-12-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I went to Best Buy to look at a new TV, and the salesman convinced me to sign up for the Best Buy Credit Card, which, if I bought a {$1200.00} TV, would be interest free for 24 months. I just found out that because I did n't pay the complete interest free balance before the 24 month date ( which why would I, it 's interest free! ) I got charged {$1000.00} in interest. Out of the blue. Put the card way over the limit, and embarrassed me IN THE BEST BUY where I was trying to purchase XXXX gifts. They are refusing to reverse the charges, saying the 'interest-free period ' was actually a 'deferred interest period '. None of which was explained in the store - had it been, I 'd of paid for the TV with cash or put it on another card. This is fraud, and it 's just plain wrong. Why offer this to consumers when it 's just a bait and switch? I feel betrayed and embarrassed. I never want to go back to Best Buy again.
Consumer complaint received 2016-12-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Regional Management Corporation (TX)

I bought a vehicle in XXXX and have been paying on it since XXXX XXXX. The finance company has charged me a one year forced insurance policy TWICE, and refuses to send me any thing in writing telling me what I am paying, such as totals, premiums, cost. They have raised my car payment from the original amount of $ XXXX month to $ XXXX month. I was paying {$670.00} since XXXX XXXX for supposed forced insurance. I was never given anything in writing and have no idea what the total amount I am supposed to be is, or what it is for exactly. When I asked them for proof of the insurance they are forcing me to pay, they said do n't have to give it to me because it is just to insure the vehicle. I have spoken to a home office person, a branch person and neither will send me a statement of pay off, or anything breaking down how much I owe. They will only give me a total payoff of the vehicle over the phone. The vehicle has now been repossessed because I refused to pay the higher payment. I even offered to pay XXXX of the original payments and they refused saying that payment " is gone now ''. The pay off amount they do tell me is several thousands of dollars higher than what my original contract amount was. ( 2.5 years ago )
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CO)

I have a Chase Credit Card that is co-branded with Marriott. I used to pay {$85.00} a year but now my circumstances have changed and I no longer need the credit card but I do n't want to close the account because it will have a negative affect on my credit rating. Chase refuses to off an alternative - either I have to pay {$85.00} extortion or I have to close the account which will have a negative affect on my credit rating and is an unacceptable alternative. This is not fair to the consumer and this issue needs to be addressed.
Consumer complaint received 2016-12-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC. (OR)

I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and XXXX both have me as having a home loan taken out in XXXX 2015 and i do not have a home loan. I am unable to get my credit reports or scores. It shows i have a student loan and auto loan and credit cards that i did not open. I want. Any and all forms and steps i need to take mailed to me. I want all three credit agencys to mail me my credit reports as well. I want my credit report to reflect i am a victim of identity theft
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my TransUnion credit report. The credit report showed a credit inquiry by your company ( XXXX ) that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.