davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is the several time I've complained about being a victim of identity theft. The XXXX Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at Raymour & Flanigan. I have never purchased anything from them either online or in the store. I called the company to see what was going on, and their customer service rep was very rude & unhelpful ( named XXXX XXXX. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! This fraud person opened an XXXX XXXX credit card and spent XXXX XXXX the same day. I disputed the charges on that day. XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from Raymour and Flanigan in the mail at my house! That means this fraud person knows my home address!! Now fast forward a few weeks and Raymour & Flanigan is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. This is questionable business practices. I want to know HOW they came up with this conclusion, and what information they have on the fraudulent charges. Also I filed a police report with my local police and I will give you the cc # upon request.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (CA)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N. THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$940.00} XXXX CXXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXXSubject : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear XXXX I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account **XXXX XXXX XXXX XXXX** with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than XXXX  days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15. 

**Reference to XXXX ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations. 

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly. 

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within XXXX  days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA. 

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, **XXXX XXXX XXXXo** XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX Owed : {$49000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX  Account number XXXX - Experian reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -XXXX reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX XXXX reported that I had 2 late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the XXXX  account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. Experian, XXXX, and XXXX has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under three different types of account names.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I called today XX/XX/2019 to the chase bank, due to finding out of a account being opened under my name with no knowledge of it. And they did nothing to help me on going as a victim of fraud. I'm so upset and furious customer service is no help
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048A section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (WV)

I bought a new XXXX XXXX XXXX XXXX XXXX XXXX. My previous car which was XXXX XXXX XXXX kept breaking down and on this day it broke down again with repairs more than I could afford. I had the tow truck driver take me to XXXX XXXX in XXXXXXXX XXXX  I was stuck over an hour away from home. I knew my credit wasnt great but it wasnt really terrible either. After hours of sitting there they said the only loan they could get approved for me was through Exeter Finance. They didnt even tell me the interest rate or payment until I was in their office to sign which was after XXXX. I was there since XXXX and was physically and emotionally exhausted. They charged me 26.6 % interest with a car payment of {$620.00}. That was 3 times the amount I was paying on my previous car. I felt backed into a corner so reluctantly I signed the papers hoping I could refinance at a lower rate in the near future. I was within a few months really having trouble making the payments but I decided to try to refinance. By then the car was already about {$4000.00} underwater. No one would refinance unless I paid down the extra money. I did not have it so I have been stuck trying to get out of this loan for XXXX  years. I have now made XXXX payments and the loan has only gone down by about {$3500.00}!!! I have paid {$24000.00} to this finance company for a {$22000.00} car and they said at this time my payoff is still {$19000.00}!! I am now XXXX  months behind on payments. I just dont know what to do at this point. This CAN NOT be legal!!! I am literally XXXX XXXX working XXXX jobs trying to make ends meet and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need some relief but Exeter refuses to alter the initial terms at all to help me!
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (DE)

In XXXX my wallet was dropped/stolen while leaving the XXXX in Delaware. I had not noticed until a couple hours later credit card companies were contacting me regarding suspicious activity. It was at that time i realized my wallet was not in my possession any longer. It was determined someone was using my cards. There multiple charges at the XXXX I previously shopped at for multiple {$310.00} charges. 2 of these transactions went through on my Comenity Bank card. I notified them those were not my charges and confirmed which ones from earlier in that day were in fact my charges. My other compromised cards also removed the charges. I also contacted the police had a police report completed, and contacted the XXXX where they pulled the video footage of who used my cards. They pulled the info together to share with the police officer. As they were able to see me in there earlier purchasing a few items, and then later see someone came in attempting to use all my credit cards. I was sent a new card by comenity. On XX/XX/XXXXI noticed the charges were put back on my account that were fraud. I called and was told the investigation was complete and found I was responsible for the charges. I asked what investigation was done as if a thorough one or even a decent one where the merchant was contacted they would be able to easily see these werent my charges. I have since asked a new investigation be opened. However, feel comenity bank was negligent in their initial investigation and failed to notify us that they even put the charges back on our account. Why did no other bank have an issue determining these were fraud? I feel this was blatant negligence and violates my rights as a consumer.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (KS)

On XX/XX/ I purchased a XXXX debit card in error at XXXX. I thought the card I purchased was XXXX gift card but the card was a Netspend debit card. I loaded {$10.00} on the card at the register. I tried to activate the card on Netspend.com and the automated phone line without success. I contacted customer service on XX/XX/ and was told by XXXX I would receive a refund check in 10 business days. On XX/XX/ I recieved a check in the mail for {$4.00}. The card was never activated or used and Netspend withheld {$5.00}. Netspend charges {$5.00} for an inactivity fee. How does this apply to me since I never activated or used the card?
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights.

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. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Trans Union Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : XXXX XXXX Account Number : XXXX, has violated rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, XXXX, and Trans Union shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, XXXX, and Trans Union has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until 2028 ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I sold my home at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and bought another home at XXXX XXXX XXXX, XXXX XXXX XXXX Regions Mortgage held the mortgage on both. I closed on XX/XX/XXXX. I havent received a mortgage statement from Region mortgage by XXXX or by email since I closed on this property on XX/XX/XXXX. They keep sending the paperwork to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have contacted them and they continue to send paperwork to my old address. I spoke to XXXX XXXX at XXXX and it continues. I spoke to XXXX on XX/XX/XXXX and she stated that she changed my address. Someone at Regions Mortgage continues to change it back to my old address.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a customer of Bank Of America travel rewards card for 9 years. I had set-up an automatic payment every month of {$150.00} dollars. 

Today I found out through a letter that I have been short on the minimum payment for 4 months, since XX/XX/2022. I was never notified about this issue until I got the past due letter in the mail this weekend. I was charged {$39.00} dollars per month for the last 4 months. 

When I called the bank today I asked why they couldn't send me a letter or an alert notifying me about the payment that was short and why they waited me to be over 2 months past due to send a letter. They stated it was my responsibility to check my statements but I failed to do so. I asked again, why they took the step to send me a letter but couldn't notify me sooner. 

When I mentioned I wanted to pay the amount past due I asked if they could waive the 4 late fees when I actually did make a payment but it was short on the dollar amount. They said they would only try to waive the fee after my payment was processed. 

I felt very disrespected and they were extremely condescending. Then I decided to ask them to close my account and that I didn't want any more business with BOA. Then I asked for a payment plan or for them to lower my XXXX so I can pay my remaining balance accordingly, which is a little over {$5000.00}. They said there is nothing else they could do for me. 

Can someone help me getting these fees refunded? And set up a payment plan without these extremely high interest fees? 

I appreciate and thank you! 
XXXX XXXX XXXX accoun # with BOA : XXXX XXXX XXXX XXXX