davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (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. 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  has violated my rights.

15 U.S.C 1681 Section 602A. 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 items 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-05
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. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I disputed my account with PRA, and verified that the debt was from XXXX XXXX. The reason for the dispute was that I have had XXXX accounts with the original creditor since this account and did n't know that the debt had been sold. Once verified, I contact the company to try and settle the debt. 

First, I was told that I could pay for the deletion of the trade from my credit report. I told the representative that I would call back to make the payment and fulfill this agreement. 

Next, I called to settle the balance and was told that " they did not do pay for deletes '' which was the complete opposite from the understanding that I had. 

I was told that I needed to contact the original creditor to have this deleted -- very confusing. I called the original creditor, XXXX XXXX, and they said the debt had been sold to PRA, they had no control over the reporting, and were not sure why I was told to contact them. 

I called back, got another representative and she told me that I needed to pay the balance, and then contact the credit reporting agencies to have it removed. Again -- very confusing and false information. Once she 's caught herself on what she had said, she put me on hold. 

A manager ( who started off very polite ) then gets on the phone and tells me that " they just had a meeting yesterday, and no collections agency is allowed to remove information from an account now. '' -- once again, FALSE, and fabricated. 

She said that PRA was not even concerned about receiving the full amount. They just wanted a portion, so that it could be marked as paid, then begins to offer me {$20.00}, {$30.00}, {$40.00} off of the balance. I told her that the amount was not an issue -- I just wanted the trade deleted as promised, upon full payment. She then proceeds to offer me {$90.00} off. No thank you. 

I told her that I would contact the CRA 's as her employee instructed, and that I would get back with them. She then proceeded in a demanding, condescending and very abusive tone to tell me that I needed to accept their offer and that the credit reporting agencies would be able to do nothing to help my situation and that she had been working at PRA for 6 years and proceeded to tell me " exactly what they were going to tell me. It almost felt like she was trying to make a sale. 

Still, I got nowhere on the initial agreement to have this account deleted upon full payment.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: National Management Recovery Corp. (NMRC) (CA)

This company National Management Recovery Corp, ( www.nationalrecovery.net ) has been calling my office leaving messages on the general voice mail for all employees to hear, stating I am being investigated for fraud and to call them back? 
I sent XXXX certified letters to this company because there is XXXX address listed. Stating to send me in writing the debt and amount owed? Still this has not been done, they just call my office which I stated in the letter Can not be called, as my job will be at risk for these false accusations. 
I need help from someone to fight this illegal company? The number that they called from now is a VOIP number : XXXX there website list a different number. I am in a credit consolidation program and all creditors are being paid and addressed. This company will not tell me what the debt is or call me on my personal phone, only my office phone? 
I have done everything legally possible to find out what the debt is and to stop them from calling my place of business.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has a policy of making it as difficult as possible for consumers to dispute charges, most likely because the merchant is being compensated in some manner or other for doing so. Aside from not allowing consumers to provide any details regarding their disputes in Capital One 's online dispute forms or to submit messages electronically -- either securely through their online accounts ( a feature which existed previously but has recently been eliminated by Capital One ) or via email -- the merchant has a policy of both requiring supporting documentation prior to submitting a claim and also permanently rescinding credit issued in connection with claims as soon as said claims are disputed by the merchants in question without giving consumers a chance to rebut the merchants ' response. 

On XXXX I submitted a dispute ( Case # : XXXX ) in connection with a charge for {$2000.00} from XXXX/XXXX/2016 against an attorney who had actively assisted the State of Florida in retaliating against me for trying to call attention to abuses which the State of Florida systematically inundates HUD Programs with in order to undermine the Civil Rights Act, made possible by the criminally unethical practice of allowing County Judges to adjudicate landlord-tenant disputes involving HUD rules without being qualified or authorized to do so -- even in circumstances where County Judges are specifically requested to disqualify themselves from such cases because of the financial ties which all County Judges must have to any landlords who participate in HUD 's programs within any Municipality wherein HUD 's Programs are not fully privatized. Despite the vast amounts of evidence I sent in via fax detailing at great length the unethical conduct of the attorney, Capital One rescinded the credit issued in connection with my dispute on XXXX/XXXX/2016, immediately after the attorney disputed my claim. 

On XXXX I submitted another dispute ( Case # : XXXX ) in the amount of {$310.00} against XXXX XXXX for the abuse I was deliberately subjected to during a XXXX/XXXX/2016 flight from Florida to Georgia for no other reason than being a low-income minority. Before even submitting my claim to the merchant, Capital One demanded supporting documentation, subsequent to which the credit issued in connection with my claim was rescinded.
Consumer complaint received 2024-09-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Since XX/XX/XXXX, Ive been trying to get PayPal to close a dispute. I initially filed a complaint with my credit card company, which processed the transaction through PayPal. I couldnt dispute the charge until it posted on XX/XX/XXXX, but by then, I couldnt cancel the order or contact anyone, leading me to believe the website was a scam. 

I contacted XXXX, and they confirmed it was a scam ; the site had no contact information or cancellation options. The order was for a pallet of returned goods, which I never received. The tracking number sent XXXX days after the transaction yielded no results. 

My bank determined it was a scam and informed PayPal on XX/XX/XXXX and again on XX/XX/XXXX. PayPal claims they didnt receive this information from my financial institution and wont accept a joint call to the bank. My bank stated they only contact PayPal once per case, despite reaching out twice here. PayPal still says they never received such data, which is false. I provided same data, but PayPal won't accept my information that the bank sent me. 

Now, over 133 days have passed, and I can't get PayPal to remove the dispute from my account after hundreds of calls per their request to call in XXXX, XXXX, 30 days. This just continues. PayPal is deceitful. I've requested, under the California Consumer Protection Act, that they delete my account, but they refuse because they keep this dispute open that clearly my bank has closed in my favor. 

I've had several cases and escalations opened only to get closed and they start some timer again, it's quite the circus. 

Now I believe PayPal is scamming consumers too. I've blocked any payments in or out of this institution. Removed as much of my data as I could, but I can't close the account or get PayPal to delete my data. 

I never want a PayPal account again and will not make any purchases using PayPal. They can blacklist me, which would suit me just fine. I didn't even know I had this account, last used in XXXX, until this situation arose. 

PayPal Case ID : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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 to be removed/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.

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!
Consumer complaint received 2024-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

In XXXXXXXX XXXX XXXX I attempted to pay XXXX of my student loans in full. I utilized the payoff amount listed on the website and submitted payment in full and as directed according to MOHELA 's instructions. Approximately {$800.00} of the funds were directed towards what MOHELA designated as unpaid interest. However, my loans were in administrative forbearance due to their inability to service the student loan accounts at that time and were not actively accruing interest. In addition, I had made ALL loan payments on time and had even made an additional payment in XX/XX/2023 while my accounts were in forbearance. Mohela has since switched platforms but refuses to provide any documentation of said unpaid interest. Since this time, the loan I attempted to paid off continues to accrue interest while they have it on " hold ''. In addition, I have tried to sign up for automatic payments in order to receive a slight interest rate reduction. After several months, this has still not been processed. I have reached out XXXX additional times with no response.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Attn : Complaint Division Re : Bank of America , N.A . 
Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX explaining they had not received a bill pay I submitted to be drafted from my account on XX/XX/XXXX and paid to them. 
On, this same date, I submitted a stop payment on my account for this bill pay transaction that was supposedly processed on XX/XX/XXXX in the amount of {$7100.00}. However, unknown to me, this amount was indeed drafted from my account but never cleared and never received by XXXX XXXX XXXX. A customer service person at Bank of America apologized and assured me this would be fixed immediately and issued a case number XXXX for stop payment. 
Today, after reviewing my balance on this account, which I have had for over 50 years with this bank, I notice the funds from the stop payment issued on XX/XX/XXXX were not placed back into my account. Upon review, I called customer service at Bank of America yet again and was told that the person that I spoke with on XX/XX/XXXX did not actually issue a stop payment but that this person would issue it today under case no XXXX and it would take approximately XXXX to XXXX business days for funds to return to my account. 
This is unacceptable and as soon as these funds return to my account, I will be withdrawing all services from Bank of America. I need to know what legal action I have to take against Bank of America as this is an insult to my faithful service with them and I wish for this not to happen to anyone else. 
Please contact me at ( XXXX ) XXXX for any additional information you can provide to help me with this situation. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mercedes Benz Financial Services (TX)

I have XXXX open auto loan with Mercedes Benz Financial Services. I contacted MBFS because they had not been updating my balance with the credit bureaus. They stated that they would update my balance. Instead, they updated my balance to more than I originally purchased the auto for. I then contacted MBFS again and did not get anywhere with them. I filed complaints against MBFS and a member of their executive team, XXXX XXXX contacted me and stated that she would make sure the correct balance was reported. Two days later, I receive notification from XXXX that the MBFS account had been updated to reflect the correct balance owed HOWEVER, they also added another account to my credit report under XXXX XXXX XXXX using the same account number as I have with MBFS. Now I have XXXX accounts listed on my XXXX credit report with the same account number and different balances. XXXX stated to me that they can not remove the duplicate because it was reported under XXXX XXXX XXXX and that I would have to deal directly with MBFS. The account listed under MBFS is reported with the correct balance of {$48000.00} and the false XXXX XXXX XXXX is reported a balance of {$50000.00}. Both have identical account numbers but different balances. MBFS is listed underneath the XXXX XXXX XXXX. I now can not go forward with my home loan because my XXXX credit report shows that I have over {$99000.00} in auto loans which is FALSE.
Consumer complaint received 2024-10-29
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: General Motors Financial Company, Inc. (FL)

I have a loan that I co-signed for my daugher in NJ. Last year she moved out to NY state and needed to change her registration. We've been trying to get the bank to mail the title to XXXX since XXXX of this year. her registration expired last month, now the car is in the garage and she is using XXXX to get to work and school every day. I placed countless calls and requests. Every time they tell us that the title was mailed to the XXXX but every time we go to dmv they say that nothing came in. I requested the title to be shipped XXXX or XXXX and was denied. We just need the title so we can change it from state of New Jersey to State of New York. I really don't understand what is so hard with this request. I've been calling them but every time I get the same answer, the request has been processed but nobody can give me confirmation or tracking for the package.
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Experian XXXX. XXXX XXXX XXXX, TX XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Exeperian claimed that Exeperian violated the FCRA by the company Exeperian allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Requesting one last time that this erroneous reporting be deleted from my credit file Immediately!