davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My accounts 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 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 2024-11-07
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. (GA)

On my credit report, there are XXXX entries for a XXXX XXXX Bank account with the same account number ( # XXXX ). XXXX account is listed as opened on XX/XX/XXXX, and closed in XX/XX/XXXX, while the other account is listed as opened on XX/XX/XXXX, and closed within the same month. 

Both entries are outdated and should no longer be on my credit report, as they fall outside the seven-year reporting limit set by the Fair Credit Reporting Act ( FCRA ). These accounts have been closed for more than seven years and, per FCRA guidelines, are ineligible to remain on my credit report. Continuing to report these accounts violates my rights under the FCRA and creates an inaccurate representation of my credit history.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

My husband and I made a manual payment early to FreedomMortgage.com which is the new company that acquired our original mortgage. Days later the mortgage company 's auto pay system tried to take the same standard payment after already receiving our first payment. Since the money was already taken through the manual payment, the mortgage company hit us with an Non sufficient funds fee not realizing they already had the money. I called the customer support line several times to get the fee waived and they told me this was not an error on their end and they refuse to waive the fee. They basically penalized us for paying our payment early and are now trying to charge us fees on top of our monthly payment. Their customer service was the most unprofessional rigmarole I've ever experienced. They refused to let me speak with anyone higher up than a supervisor and said the decision was made by a part of the company that does not interface with clients. Every time I called, they made my husband verify I was allowed to speak with them even though I'm co-signed on our mortgage, then when I would get forwarded to a supervisor I would get their voice mail. When I finally reached a supervisor they said I should know how their auto pay system works and that they clearly state this information in their terms. I reviewed the auto pay terms and no where does it say that the system will continue to take multiple payments after a manual payment is made. We've had credit cards and other accounts with auto pay for over 20 years and every system recognizes when a manual payment is made and does not try to take the money again. The scary part is that they basically can hit us with whatever fees they'd like at whatever time and we can't do anything about it. Why shouldn't we be able to choose our mortgage company the way we choose any other service. These companies are corrupt and are not held accountable because their customers can't go to the competition if their not happy.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Good morning, Im writing this complain because Im so fed up with how Bank of America treats me as a customer. This issue I have with Bank of America is happening isnt first time. They had charged me overdraft fees previously and couple times fair but other times is not at all. All my requests to waive was unsuccessful. The reason why they charge me overdraft is not because my account didnt have enough funds for scheduled payments but because of in which order they clear up transactions which is so unfair and wrong. I just found today that they again charged me overdraft fees for three transaction! Which is three times {$35.00}. These three overdrafts couldnt happen because I had enough funds to cover scheduled bills. Yet, Bank of America found they way to clear up transactions in the order that convenient for them. I spoke with customer service two times and they deny to waive it. All my logical explanations dont make any difference for them. When I asked why Bank of America deny my request to waive it, they say they cant explain. Its just denied. Ive been a loyal customer with this bank for so many years, not even saying that they took total of {$100.00} overdraft fee ( three times {$35.00} ) unfair this time and theyre so careless.
Consumer complaint received 2018-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (TN)

I lived in the XXXX XXXX XXXX and one night my boyfriend held a loaded XXXX to both my head and my toddler at the time and we had to flee the apartment. He was XXXX, but then later released but I had a temporary order for our safety to not go back to that apartment and I do have a police report from that evening if needed. I found somewhere else safe to live that he did not know about so my child and I would be safe. I explained all of this to the manager that worked there at the time and she understood and said she would not hold me responsible for the apartment lease ( which was in both of our names ) due to this extreme situation. Then a couple months later it was on my credit as a joint unpaid amount and I called the apartment complex a couple times and once I was promised a call back and never received one and another time the woman who picked up said she did not know about the situation and could not help me and now it is in new management and completely new staff.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I subscribe to XXXX XXXX XXXX credit monitoring. I pay {$24.00} a month dating back from XX/XX/XXXX. Recently, while doing my online bill paying, I noticed that I have been getting doubled billed for same service. XXXX XXXX XXXX credit monitoring service has also been charging me {$19.00} a month dating back to XX/XX/XXXX totaling approximately {$200.00} as of XX/XX/XXXX. Experian said that account had only been acessed 2 timez, both in XXXX when opened. I have no knowledge of opening this XXXX XXXX XXXX XXXX XXXX, especially since I already subscribe to the service. 
I spoke with a supervisxor at experian ( XXXX # XXXX ) who stated they would only refund me 1 month of subscription. Obviouslly I feel this is unfair since I have no knowledge of this account, nor have I ever logged into it. It makes no sense to pay double for same service. I tfied explaining and reasoning with the Experian supervisor to no avail. 
I have since cancelled both accounts due to the treatment I recieved. Im just requesting the {$19.00} X 10 months, {$200.00}. 
Thank you XXXX XXXX
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (FL)

Out of many disputed debts most were taken off after filing an affidavit from the XXXX. I have made two police reports and gave positive names of who might be assumming my identity. However the same 3 accounts are still appearing as derogatory unpaid accounts. They refuse to remove them no matter what I do. My credit score has  increased dramatically but the three derogatory accounts that are not mine still appear and the companies as well as the credit agencies refuse to remove them. Interestingly XXXX  did remove 2 of the 3 where XXXX refuses to remove any of the three. I have proven time again that they are fraudulent and not opened by me. I have a 100 % payment rate on my accounts that I actually applied for. Also under hard inquiries I have not ask or applied for credit in years. Then it says the length of time of my credit report is under 3 years I am XXXX and have purchased a home in 1999 and paid it off. I have had credit since I was XXXX and yet it reflects me as only having credit for less than 3 years.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC (TX)

I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.
Consumer complaint received 2024-11-07
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. (IL)

This issue is deeply concerning to me, as it is affecting my ability to sleep. Considering my consistent history of timely payments, I urgently request an immediate update to my account to alleviate the distress it is causing.
Consumer complaint received 2024-11-07
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. (FL)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Credit report states that XXXX XXXX credit card was closed at customers request. 
I did not request it to be closed. Actually I never asked for it to be reopened. I quit using it maybe 8 to 10 years ago when they began charging a yearly fee to receive rewards on it. Other companies did not do this so I started using a different credit card and XXXX XXXX issued me a different card with no rewards. I've never used it either but it has always been open and still is. Then a couple years ago the original card showed up again. Now about 4 months ago my credit report says that the old card was closed at the customers request. I never requested it to be closed or even be reopened. Also it was showing that I had {$1.00} in rewards still on it which naturally disappeared also.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-07
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. (CA)

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern/ XXXX XXXX ( CEO and President ) I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

CHASE- XXXX XXXX ACC # XXXX Reason : Identity Theft I am hereby notifying that you are inaccurately and falsely reporting the above account which constitutes violations of the Act and of my demand that you remedy such violation within five ( 04 ) calendar days from your receipt of this complaint. This account has been previously been disputed and you did not deleted required under FCRA. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623,  Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : -Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX v Chase Manhattan , 2002 provides a cause of action for individuals against furnishers of information. 

I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2024-11-07
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. (IL)

I noticed an account on my credit report that do not belong to me and I reached out to the company to provide me with more information but the company did not provide me with any information due to me not having the address, email or phone number that was on the account they then prompted me to email they customer service department to request that information and I emailed on multiple occasions and never received that information and then I took matters to disputing it with the credit buearus and they did they investigation and said this account belong to me and it doesn't belong to me
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (FL)

XXXX XXXX inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report in XX/XX/2018, I noticed this inaccuracy and immediately sent a letter to Enhanced. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary In their response and letter dated XXXX.18, ERC provided a mere statement that lacked veracity. They did not provide any documents that bore my signature nor did they provide the original deliquency date nor a complete accounting of the alleged debt. The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. 

ERC must immediately delete this erroneous entry from all of my credit reports.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Attached is the document filed with the Police dept, Last year I had Thief in my bank account and some one tried to take out a XXXX card. 

Police reports, XXXX XXXX and documents concerning this matter was Faxed to all three credit reporting agencies. 

I have also spoken with all three agencies personal about this matter. 

Yet, Experian, XXXX and XXXX continue to sell my personal information to marketers and promotion. I have OPTED-OUT with all agencies. 

I shouldn't have to do this every year, All three agencies have allowed access to my credit reports from any one. I haven't signed any consent to have my Credit report viewed by ANY COMPANIES in the past since the Thief in my accounts. 

The credit reporting agencies are TOTALLY responsible for the THIEF in my bank accounts and the damage that Ive had occurred. The time and effort that I had to go threw to straighten out the damage that could have been done to my Finance.

The credit reporting agencies have continued to ILLEGALLY sell my personal information and supply my this to companies without my consent.

The credit reporting agencies expect me to pay them to protect my personal information and make additional monies on me Its not enough that they sell my personal information now they want me to pay them to secure this data. 

The credit agencies have gotten away with having their data base access and not taking responsibility for this bad behavior. After the damage has been done they still continue to get away with this Illegal action and make money on the consumer. 

The credit reporting agencies should OPT me out of all marketing and promotion. I have done this in the past and shouldn't have to do this every year. 

The credit reporting agencies continue to put me and my personal finance in jeopardy, the only people that should have access to my personal credit should be my creditors. And who ever I give consent to and I haven't done that at all. 

The credit reporting agencies are responsible for the THIEF in my account, I should have a list of all the marketing agencies that my personal information have been sold to and hand over that list to the Police to continue their investigation.