davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (FL)

I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.
Consumer complaint received 2015-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Credit Services Inc. (SC)

Repeated attempts to get us to pay for a service that was cancelled in XXXX. XXXX XXXX franchise claims they do n't have a record of the cancellation request. Their " debt collector '' will call from various numbers with different area codes frequently ( on XXXX occasion XXXX calls within XXXX minutes ).
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Filed BK in XX/XX/XXXX at this time the law provided for assuming loans you planned to fulfill and not discharge. I did so for my newly leased Nissan Altima in XX/XX/XXXX. 39 months later I discovered that all credit bureaus were listing this as discharged and XXXX as status pending early termination. I filed suit against them after repeatedly attempting to resolve it accurately and have a settlement in my favor from XX/XX/XXXX. Unfortunately, the credit bureaus still have not corrected it and show it as early termination, and discharged through XXXX. My 39 months of regaining good credit history, making every payment on time as agreed to fully meet all obligations shows nowhere. I have been trying to purchase a home, then even leasing proved to be impossible and very challenging respectively.
Consumer complaint received 2015-04-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency.
Consumer complaint received 2015-04-28
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (MD)

***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.
Consumer complaint received 2015-04-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NY)

My agreed amout to the credit agency was {$140.00}. I initially set up a payment plan for three payments of {$47.00}. I was able to make the full payment via the doctors office before my first payment came out. this was a week ago. I assumed they closed my account. A week after a payment was deducted from my account in the amount of {$47.00}. When i called demanding a refund, they changed the tune and said i owed {$190.00} instead and that extra was " maybe fees, interest etc ''. the initial {$140.00} consist of the {$110.00} that i owed my doctor and {$26.00} in fees that they charged XXXX i dont understand why i was changed {$76.00} in fees! this is insane. they refuse to give me a refund and no one has a proper explanation on why i was charged an additional {$47.00}. everything is recorded and i just want someone to get the phone records to see that these people are lying and deceitful. I would appreciate my refund. they should not run a busienss if they are all being dishonest.
Consumer complaint received 2024-11-14
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. (IL)

Inaccurate collections entries on my credit report are harming my credit and financial stability. These errors are damaging my creditworthiness and causing unnecessary stress, requiring immediate correction to prevent further impact.
Consumer complaint received 2015-04-28
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I defaulted on a payment arrangement that I had made with CashNet USA in XXXX. I called maybe in late XXXX XXXX to make new payment arrangements. I was told that since I defaulted on the previous payment arrangement, I could not make a new payment arrangement, but that I could make payments on my own. I mailed in payments around XXXX XXXX, XXXX XXXX and XXXX XXXX of XXXX in the amount of {$50.00} each. On XXXX XXXX, XXXX, CashNet USA sent my account to collections. I would like to know why my account has been sent to collections if I was making payments. Also, in XXXX CashNet USA had made two withdrawals on the same day from my account without my permission and on a day that I had not authorized. I filed a claim with my bank to get the charges reversed.
Consumer complaint received 2015-04-28
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IL)

I 'm in the middle of a refinance and for some strange reason Ocwen is holding up providing a payoff letter. I 've had to reschedule my closing date of XXXX XXXX, 2015 because of this and I would like for any assistance you could provide in this matter. Calling these people ( Ocwen ) is like talking to a brick wall. Please have them forward the payoff letter to XXXX XXXX as soon as possible so this matter can be resolved.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Billing statement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I have a credit card through USAA and the Master Card payment can be done online. I made a payment and I was charged XXXX thus leaving me with a {$1900.00} and change credit which subsequently created an overdraft because I also have pulled {$6700.00} out to buy a truck. I have been speaking to several respresenatives XXXX, XXXX, XXXX, XXXX and a few others I can not remeber and still can not seem to get a hold of anyone who can give me a straight answer with realistic expectations. I 've ask to speak with management and was then transferred to USAA 's Executive Resolution Team who still couldn'y help. I asked to just speak with a manager and was told that was a 24 hour wait time, I suppose because at my point I 'm extremely irratated. I believe if USAA has the ability to accept an electronic payment or take money out of your account under their direct payment options, yet they claim they can not reverse the payment. So if an error is made regardless of the facts or situation, the customer will have to wait XXXX to 10 business days to be refunded the money. So fortunately I have savings, but what happens to the individual who gets this error and they do n't have money in the bank? {$1900.00} is many families two week take home pay check and USAA believes families can just skip a pay check! Worse during this process USAA has called " today '' and told me the card was compromised and has been locked so I can not even use the card to get the credit off the card. Lastly my bank charged me an over draft fee.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-07-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX citicards pulled my credit report and approved me for a credit limit increase on my credit card from XXXX to XXXX. There was negative information on my credit report at the time ( a bankruptcy filed XX/XX/XXXX ), however, my credit limit increase was approved. Since that increase in XX/XX/XXXX I have used my account in accordance with the terms & conditions, however, I am now being turned down for increases because of my bankruptcy on my credit report. 
With this in mind I feel unfairly discriminated against.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (AR)

I have a citibank account for XXXX XXXX credit card. The issue I had with them was the fact that I called to make a payment over the phone and to get the account in good standing with a payment plan of some sort as i was behind by XXXX or XXXX dollars, did not make full payment XXXX months. Well they offered me a XXXX dollar a month plan fori beleive 42 months, I agreed and make a XXXX dollar payment that day, the next month i made XXXX payment on the XX/XX/XXXX. The third month i made a XXXX payment on XX/XX/XXXX and was going to pay XXXX on the XX/XX/XXXX -- -payment not late till after the XX/XX/XXXX but when i went to log on to pay i could not logon so i called and they said account was sent to collection company. I asked them about the agreement and they said there was no agreement, and asked do i have it in writing. I told them they never sent paperwork but i gave them the date i called and asked could they not pull notes or andthing from that day i called, and they said no, so I am fixing to add them to a Consumer Credit Counseling Servce program I am currently in and i wanted to make sure they at least agree to terms with that program since they did not honor their agreement at first.
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (WA)

Someone completely fabricated a debt and sold it to a collection agency who in turn hired an attorney who filed and received a judgement that is still in the court records and on my credit reports = The debt was said to originate from medical bills due to XXXX XXXX XXXX - XXXX XXXX, I called both agency ; s billing departments and they said I have no debt with them and they never turned over any debt to a collection agency = This debt is COMPLETELY fabricated and is harming my credit.
Consumer complaint received 2016-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

In attempt to cancel checking accounts with XXXX XXXX Bank through website ( I work as XXXX and can not make it to bank during working hours w/o loss of income ) I received service fees. I paid the one I am responsible the remaining were caused by lack of proper communication on the part of the bank. This information has been sent to the collection agency. They have provided no reply except for payment.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (TN)

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with CXXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 2024-11-14
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. (WI)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if,
after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted all three credit bureaus ( Transunion, XXXX, and XXXX ) about a Bankruptcy being reported to my report. I asked them for verification which I was informed that XXXX XXXXXXXX XXXX XXXX XXXXXXXX reported this account. Upon Contacting XXXX XXXX XXXX XXXX  XXXX I was told in writing that they do not report to any agency or give out personal information to anyone. I then contacted the bureaus along with CFPB about this reply and the response I was given by CFPB is that Transunion report I was a victim of ID theft ... which how can they report something like that without me asking or saying something. As for the Bankruptcy that is being reported by the XXXX XXXX XXXX XXXXXXXX, According to the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq., courts can only report information to credit bureaus if they have a court order or subpoena, meaning they generally can not directly provide information to credit reporting agencies without a legal requirement to do so.