davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The original creditor and account number is listed on my credit report as XXXX XXXX/XXXX with a first reported date as XX/XX/XXXX partial account and sold to PRA.

The same partial account number appears with Portfollio Recovery Associates ( PRA ) as the debt collection acency with a different first report date as XX/XX/XXXX and XXXX XXXX XXXX XXXX as the original creditor. 
I disputed with XXXX XXXX and Portfollio recovery associates with so far no change to my credit report. I read this is called re aging by the collection agency and is a violation of the Federal reporting agency. I do have copies of my credit report with both items and date listed.
Consumer complaint received 2024-11-04
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. (GA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX, XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2018-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (AZ)

I got a letter in the mail from a Harvard Collections claiming that I owe a company that I have never heard of nor received a letter from. The debt was from 2016 which is past the statue of reporting or even attempting to collect a debt. There was no information associated with the letter I received in the mail. This company has also started calling me after I advised to cease and desist and to not contact me as they would not release any information and requested to personal information from me but would not advise who they were or why they were contacting me. After the cease and desist was advised this company has called me several additional times. All within the past month. In the state of AZ any attempt to collect any debt after 180 days of the original collection company is against the statue.
Consumer complaint received 2024-11-08
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. (CA)

I need the XXXX account deleted immediately as the reporting of the account is violating numerous rights, the XXXX XXXX XXXX needs to update the frivolous late payment. Also, XXXX needs to delete the child support off my credit report as Transunion and XXXX did which means XXXX is willfully not complying which is violating Title 15 U.S.Code 1681b ( e ) ( 6 ) and I will be seeking litigation against XXXX soon if they keep reporting it. Look at credit letters attached for full info. This is my last and final warning before I file lawsuit against all companies that are willfully not complying with these lawful requests.
Consumer complaint received 2024-11-08
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. (IL)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I participated in the Toyota Motor Credit Corporation Settlement earlier this year, by filling out and submitting ( 2 ) Eligibilty forms on or around XX/XX/XXXX. Those 2 forms were for a XXXX XXXX XXXX and a XXXX XXXX. My loan was for the XXXX. Then I traded the XXXX for the XXXX, a year and a half later. I called the Settlement Adminatrator the next day to confirm they received both forms, and was told they did. On XXXX, I called and spoke to " XXXX '' for an update re : the settlement and was advised to do nothing now. The deadline to submit was XX/XX/XXXX. 

In XXXX, I called for an update re : when checks were to be mailed. But I always got the same answer. " TMCC is still going through the eligibilty forms before any payments can be made, and to keep checking their website for an update ''. But the website only tells you payments will be mailed in XXXX. There is no forther info and the CSR 's aren't so helpful. Well, it's almost XXXX and I have yet to receive any payment or, even a letter stating otherwise. Any assistance will be greatly appreciated. Thank you in advance.
Consumer complaint received 2018-11-29
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: Bread Financial Holdings, Inc. (NV)

XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-11-08
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permission purposes. I also attached evidence 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 XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These inquiry has no permission purpose of being on my report XXXX Delete this inquiry due to violation of 15USC 1681b.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now
Consumer complaint received 2024-11-08
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. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX 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 am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX {$780.00}, XXXX XXXXXXXX {$980.00}, XXXX XXXX {$480.00}, XXXX XXXX {$70.00}, XXXX {$0.00}
Consumer complaint received 2024-11-08
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)

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX XXXXXXXX ACCOUNTS NUMBER XXXX AND XXXX  ACCOUNT NUMBER XXXX
Consumer complaint received 2024-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have opened my Capital One XXXX XXXXXXXX credit card in early XXXX. I am fairly new to the United States and had some temporary payroll issues with my new employment in addition to months worth of debt I had to resolve over the past few weeks. Thats why I had some returned payments in my Capital One account. I have informed Capital One about my financial issues and was told that I can just make new payments once my situation improves, but I have to pay attention to the minimum payments due date. Over the last week, we got our payroll situation resolved and my financial situation has returned to normal. 
Now that my financials are looking much better, I wanted to finally pay off my credit card balance of {$290.00}. However, upon opening the Capital One app, I noticed a small warning that my credit card account is restricted. I immediately called Capital One on the phone and was informed that my account has been closed for a violation of the XXXX XXXX. 
This makes me deeply concerned. I have been transparent with my temporary financial issues, was assured that this is not a problem as long as at least my minimum payment of {$25.00} is paid by XX/XX/2024. I have not overused my credit in any way. I have also reviewed the cardholder agreement and can not explain myself, why I was violating any of the terms stated. I understand that the bank has the right to close clients accounts at any time for any reason, but this is not how a bank like Capital One should treat new customers. Im trying to build my credit, XXXX trying to establish positive payment history but I just had temporary financial issues over the past few weeks. After looking into my Capital One account again, I have noticed a Fraud letter suggesting that Capital One is accusing me of fraud. Im out of words. This decision to close my account will also add substantial damage to my credit profile, which will make my life much harder considering I am new to XXXX and dont have much credit history yet. 
I dont feel treated well by Capital One in this matter and no one ever contacted me, or talked with me about this issue. It was the opposite, I was told that the returned payments I had are not a big issue and as long as I make future payments on-time, there will not be any reportings to my credit. 

Please refer to the attached letter for more information.
Consumer complaint received 2024-11-08
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)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, Early last XXXX possibly XXXX XXXX I contacted Bank of America to file a check fraud claim regarding a cashiers check that was stolen. I was told approximately 15 days or so after constantly calling checking on the status that it was submitted incorrectly by the customer service representative and needed to be corrected. That was done and the new claim # is XXXX and paperwork soon followed and I was then told by Bank of America that they received the paperwork and that a request had been sent to XXXX XXXX to recover my funds from them to be sent back to BOA to return the funds to my checking account. Again I continued to call over the past couple of weeks and had constantly been being told its a waiting game and the request had been sent and we have to just wait. I was given a telephone number to call XXXX XXXX by a customer service rep at BOA and that telephone number is XXXX. I did in fact call this number and reached a young lady that told me she would do what she can to assist me, but that I was not a " XXXX XXXX '' customer and that she was limited in what information she could release to me. She then came back and told me I needed to contact BOA again because their department should be able to get answers as that department is a go between and they are able to handle this sort of situation. Of course by this time I am frustrated, so I filed a complaint with you all the Consumer Financial Protection Bureau, complaint # XXXX and the complaint was sent to XXXX and XXXX send me a letter XXXX/XXXX/XXXX stating that they have no such request from Bank of America and referred me back to them. The letter is attached. I am being told by BOA that the request is sent and I am being told by XXXX no such request has been received. Please HELP ME!!!
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Hello, I was deceptively charged for a recurring service that I never signed up for, or was not made aware that I signed up for. 

I received ZERO communication via email, regular mail, or via phone from Experian that I had a recurring service from them and was being charged to my XXXX XXXX credit card. 

I had no access to the service either, as again, I never received ANY communication from them, so I never received a username and password or any instructions on how to access the recurring service. I, to this day, have not used the service they signed me up for, and since it 's just a website with a credit report on it, never received anything from them, nor did they incur any costs since nothing was ever delivered. 

I did, on a one time basis, access my credit report in XX/XX/XXXX, after the XXXX hack. That charge was for {$4.00}. I assume that they signed me up for the recurring service then, and deceptively did not CLEARLY state I was signing up for a service. 

I discovered the issue last year in XX/XX/XXXX when I reviewed my XXXX XXXX credit card statements and realized the recurring charges. I initially attempted to contact Experian, but could not reach them after being on hold over the phone for over an hour. So I then sent a dispute to XXXX XXXX XXXX. After several weeks ( was traveling to see family over XXXX ) with no response from XXXX XXXX, I contacted them again to dispute the charges. Yesterday, I finally received several emails from XXXX XXXX indicating that the charges would be rebilled to my account. 

I then contacted Experian again this morning by calling XXXX and was on hold for over 1 hour and 30 minutes ( I have a screenshot to prove it ) and was finally able to get a customer service agent on the phone. 

The customer service agent I spoke with is named 'XXXX ' on team 'XXXX ' within the customer service center. This agent said that they could not remove the charges. I then spoke with his manager 'XXXX ' (  agent # XXXX ) and she would not remove the charges either. 

The charges total {$170.00}. The charges occurred from XX/XX/XXXX - XX/XX/XXXX. Please see the attached screenshot of the charges from my online XXXX XXXX account.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED were 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED 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