davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX Dispute Number XXXXTransunion Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all XXXX CRA 's, and within XXXX days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the XXXX CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all XXXX CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Consumer complaint received 2015-10-02
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Bonneville Billing and Collections (ID)

The have XXXX offices. I told the lady to contact me in a week and i would hopefully have a better idea or have something to put down. Then she tells me they put it down in the computer but still I keep getting phone calls two or three times a day. I talked to the guy in XXXX and told him last week I would hopefully have something by the first and again phone calls from both places everyday. Again I talk to the guy in Idaho falls he is rude. I do not work. He does n't want to make small payments with me and when I complained about them continuing to call me over and over he said well if you paid this we would stop calling you. This was this morning. I told him to stop calling and I would give them something as soon as I got some money. Right before I wrote this complaint against them they called me again. It 's bonneville collections
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

National credit systems is reporting on my credit that I owe a balance of over {$7000.00} from an apartment complex XXXX  years ago. Ive gotten into contact with the apartment and they made a mistake. They told me I do not owe any money and my account has a {$0.00} balance. They sent me an updated invoice of {$0.00} owed as of XXXX XXXX. Ive tried disputing this account with the documents provided and have gotten no where.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (MI)

I 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 BANK OF AMERICA , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (NC)

I am XXXX XXXX, the founder and XXXX of XXXX XXXX XXXX an XXXX assisting all victims of human trafficking. My XXXX is accredited by the North Carolina Attorney General and my XXXX was given authorization to make Determinations under the Debt Bondage Repair Act. XXXX XXXX XXXX assisted multiple victims/survivors of human trafficking with self-attestation letters to block information associated with human trafficking. Experian is refusing to block information from human trafficking victims files after submission of all required documentation. Experian is being negligent and taking discriminatory actions against these victims which are causing further harm to the victims/survivors. 

Experian is also denying due process to victims after the submission to block information by never giving the required notices to rectify the block request and never sending the stated notices to the victims within the required time frame. 

The Experian consumer affairs department has been very negligent with the investigation by XXXX XXXX and XXXX XXXX. 

Experian is depriving the rights of human trafficking victims. These victims are looking to pursue legal action through the Attorney General because the XXXX does not have a private cause of action. Although, there are state laws and FCRA violations that these victims can pursue. I am requesting that the CFPB take action. 

Please see the attached authorization letter by the Attorney General. I have also attached email communication from another agency who Experian is complying with.
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-26
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)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX located in XXXX, XXXX. On XX/XX/2024, XXXX XXXX XXXX XXXX failed to report my correct credit card usage and balance to the credit bureaus. This oversight has caused a significant negative impact on my credit reports from all major credit bureaus. 

Despite my attempts to resolve this issue directly with XXXX XXXX XXXX XXXX, there has been no rectification of the error. The incorrect reporting has adversely affected my XXXX XXXX and has caused undue stress and inconvenience. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX XXXX XXXX corrects the reported information promptly. I also seek guidance on any further steps I should take to mitigate the negative impact on my credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

recently checking my credit report i noticed that i've been a victim of identity theft and found numerous credit inquiries i have no knowledge of here are the inquiries that 've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-08-26
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 was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 8
Consumer complaint received 2015-07-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Business Factors (CA)

I was delinquent in paying a debt to XXXX XXXX XXXX XXXX for an emergency ambulance ride. Incidentally, I did call the Fire Department directly shortly after the date of service and attempted to pay over the phone. At that time, they did not have an electronic system in place to accept payment via debit/credit card and requested that I send in a check, which I did not do. I called back last month and attempted to pay the debt directly to them and they advised that they had already sent the account to collections with National Business Factors. 
As the debt was sent to National Business Factors , Inc., I was contacted via writing by them. Within ten days of receiving their collection letter, I contacted National Business Factors , Inc. directly and paid the original debt in its entirety. I refused to pay the interest as I did not enter into a contract with National Business Factors , Inc. and felt I had paid the bill completely. The bill from XXXX XXXX XXXX XXXX was for {$350.00} and on XXXX/XXXX/2015, this amount was paid to National Business Factors , Inc. 
I continued ( and still do ) to receive phone calls and letters from the collection agency threatening to ruin my credit if I do not pay the interest, which they report continues to accrue daily. 
I have contacted the collection agency on numerous occasions citing my belief that legally I do no owe this debt as I have not entered into a contract with them, therefore they can not charge me this interest. I have consulted the internet and state laws to learn that I am not legally responsible for this debt. They are aggressive with me when I attempt to communicate with them and continue to threaten my credit worthiness. 
The amount in question is only {$25.00}, though that compounds daily so is likely higher at this point. I am protesting out of principle, certainly not out of inability to pay the amount. I disagree with their collections tactics and do n't feel I owe this debt. 
Is it legal for a XXXX party collection agency to hold me responsible to them for their interest after the debt has already been paid off completely? And continue to compound the debt after the original debt has been paid? 

I 've attempted to attach supporting documents such as the original bill as well as evidence of payment and letters from National Business Factors but this system will not allow PDF files to be uploaded - I tired XXXX times and it freezes the system. I 'm happy to provide documentation if requested via email attachment.
Consumer complaint received 2024-08-26
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)

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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C 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 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2015-10-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My checking account has been charged {$3500.00} since it was opened. These fees are abusive to my account, some fees are justified and some are not. When you try to discuss it on the phone or at the branch you are treated rudely almost all of the time. It is as if " How dare you question us ''. there is inconsisstancy in there procedures, most of their customer service reps never tell you what is the banks policy and when you question them or catch them their answer is I am not a bank official. When you withdraw money by overdraft service they double and triple charge you, by this I mean if try for {$100.00} it refuses and then you try for a different amount to add up to the {$100.00} they charge you not the XXXX {$35.00} fee but up to XXXX or XXXX fees. when I questioned this you would have thought i was speaking a different language bot at the branch and on the phone. They just take their fees at will and I am so disgusted by their attitude and the free access to my account. They just take without notifying you or allow you to question them. They are not allowed to touch my money at will. I repeat {$3500.00} in fees since -XX/XX/2015. Never return promised calls, take money from account leaving nothing left then you mention no money to live on, get to work, suffer from XXXX and other issues and they dont care. Really how can they do this. Never mind my pension deposits never hitting account on time or giving information on it a direct deposit. typical answer nothing posted yet, such a disgrace this bank and management.
Consumer complaint received 2015-10-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2024-08-26
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. (MO)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing , Inc mailed us a mortgage statement/coupon without any mortgage information on it other than their address, our property address and loan number. There is not even an amount or a date due on the form.
Consumer complaint received 2015-10-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (TX)

Conn 's Appliances has called me XXXX times today trying to collect o a debt owed by someone with a similar name as mine. 

I 've told them XXXX times today that they have the wrong person. Yet they continue to call me back. 

I do n't want them to damage my credit record.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mercedes Benz Financial Services (WI)

We made an additional principal payment of {$5000.00} earlier this year to Mercedes Benz Financial Services. This was made beyond our monthly payment - which is set up as a monthly autopay. MBFS improperly processed this {$5000.00} payment as an advance payment. Furthermore, they turned off our autopay. We never authorized them to turn off our autopay, and we made our principal payment in good faith as just that. We had not noticed that they turned off the autopay, but when we did, we asked them to make the necessary adjustment in a manner that would not impair us, and in a way that the interest payments were adjusted back to reflect this payment in XXXX, and I offered to make total payment at that time for the total amount of autopays they never drew from our account. The problem is that when they made the adjustments, they included a number of late payment notices, and also added a number of late payment fees. I have been speaking with them on and off for two weeks and they still have not corrected this. In summary, they acted in an unethical way, trying to turn our principal payment into something it was n't. They damaged our near perfect credit rating by layering on late fee notices - when there were never any late payments - none.. and then they assessed us late fees.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NJ)

We are working with Wells Fargo on a police and fire ( PFRS mortgage ). The mortgage broker, XXXX XXXX, XXXX Mortgage Consultant - XXXX ID XXXX, in charge of our mortgage process failed us miserably. She was n't returning phone calls, emails and then never sent the loan confirmation to our lawyer. In addition, she was n't communicating with her own underwriters. The underwriters could n't even contact her. She was n't returning their emails or phone calls. They could n't find documents that she apparently said she had sent. She chose not to step up and apologize but rather now has been dragging her feet even more. We have a closing date for XXXX XXXX. We are unsure now that we will be able to close. Very frustrated.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (PA)

On XXXX/XXXX/2015 my bank account balance with PNC Bank was XXXX. On XXXX/XXXX/2015 the bank charged a {$36.00} overdraft fee with no other posted transactions. 
XXXXXXXXThus, leaving me with XXXX dollars in the bank. On XXXX/XXXX/2015 I had XXXX deposits come in and a bill pay go out. I called the bank of PNC to report my account was in the positive when they charged an overdraft fee and after the fee, my account was still in the positive. 

I spoke to the bank employees and I was told they process bills before deposits, thus putting my account on XXXX in the negative forcing it to go into the negative so they can collect a fee. I told them all the transactions ( as you can see in the screen shot ) are pending as they are posting as of today, and my account was still in the positive and no reason to charge a fee. They refused to return the fee.