davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CT)

I thought I had set up auto-payments on my XXXX XXXX  store card but apparently did not and have discovered this is not even an option they offer. I think this is blatantly anti-consumer and should be required of credit companies. 

Here are the details : Payment was due XXXXXX/XX/XXXX 

When I checked my account 2 days later ( XXXX ) and realized I was not set up for auto-pay, I paid the {$350.00} balance in full. 

Because of this erroneous assumption about auto-pay, I was charged a late fee of {$27.00} ( XX/XX/XXXX ) a " finance charge '' of {$7.00} (XX/XX/XXXX ) When I firmly complained to XXXX XXXX they agreed to give me one-time relief and credit back the {$34.00}, for which I thanked them heartily. 

Still, is n't there a law that requires credit-issuers to provide the auto-payment option to customers? 

Consumers should ALWAYS have the option of setting up auto-pay as a way of ensuring they make timely payments. We are busy, busy people trying to do the right thing and pay on time. 

Please help the consumers! 

Thank you.
Consumer complaint received 2018-01-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

This is a Repossession debt, that happen 5years ago. There have been 3 DEBT Collectors.This accounts HAS been sold to 3 different collectors. PBC trying to re aged the debt. Texas statues of limitation is " 4years ''. I 've challenged this repossession to the State of Texas. XXXX violated the Texas State Repossession laws, and Settled with me out of court. I asked them, too stop. I have file another complaint with The Attorney General of Texas. Please read : If the repo agent breaks into your garage to take the truck, that is breaching the peace " This what XXXX did ''
Consumer complaint received 2018-01-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (GA)

Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX/XXXX - XXXX XXXX Husband called back to the agent, verified the caller as XXXX XXXX. Agent confirmed that she did call and speak with neighbors. Notified agent that FDCPA complaint, Attorney General Complaint and BBB compaint was to be filed. 

XXXX/XXXX/XXXX - XXXX XXXX XXXXXXXX XXXX - Called and left message with my neigbor 's fiance XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX - Called and spoke with my neigbor regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX XXXX XXXX Called and Spoke with my husband regarding debt XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX Called and spoke with my mother-in-law [ Did not get name ] XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Called and spoke with my father. He let them know they were violating FDCPA [ Did not get name or extension ] XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MD)

I sent letters to Experian and XXXX to delete from my personal credit report on XXXX/XXXX/2018. Or provide me proof the debt belongs to me. 

They have not provided proof. They simply mailed me a letter stating the debt was verified. 

The amount of the debt is {$3500.00}. The debt shows that it is a medical bill. 

Which if this was my debt I assume this violates HIPAA.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC (FL)

I called company and set up payment arrangements on past due amount, It was agreed that I would make payment to catch up and continue service. account still sent to collections without call. I receive notice from dept collector and I would like to look into this company license to collect in state of Florida as of my statement date, because according to what I have looked up they have no information for XXXX on Florida secretary website. I made payment arrangements with company in XXXX of XX/XX/XXXXso my account should not have went to collections at all this fast before I can honor the arrangement, so why am I getting a statement dated XX/XX/XXXX, when did my account go into collections and why was I able to make payment arrangements with the original company to continue my service if this was the case? Is this agency able to collect in Florida as of XX/XX/XXXX? I would like someone to look into this.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CT)

I received an alert that an collection account was added to my credit report. I reached out to the company and they advised it was for XXXX XXXX i advised that that i never had this company before. Nor has AFNI ever sent any documentation to me informing me of any account. my information was used which is why i have an identity alert on my credit right now. this account needs to be removed from my credit report as it does not belong to me.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

Hi - I opened a Santander checking account on XX/XX/XXXX. The terms were that Santander would provide an initial {$200.00} if I made an initial {$1000.00} in the first 90 days, which I did. I still have not received the {$200.00} bonus. When I opened the account, I had to do so by XX/XX/XXXX ( I believe ) - there was an issue with opening my account online ( I did n't pass the auth interview ), so it took extra time for me to go to my local branch in XXXX, DE and open an account. If you reference a previously submitted CFPB complaint regarding that issue, you 'll see that the outcome of the complaint was that I could still receive the {$200.00} bonus, even though it was past the XXXX/XXXX/XXXX cutoff. I worked with XXXX in the XXXX, DE branch, who also documented that I would still be receiving the {$200.00} promotion. I tried calling the branch several times - each time, XXXX was unavailable. I asked the branch to have XXXX call me back, but I do n't think they are relaying the message.
Consumer complaint received 2018-01-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Without notice, explanation, or legal authority, Caliber unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase. The increase results from Caliber 's failure to properly reserve the necessary funds to pay property taxes. 

A similar complaint was previously filed, but Caliber 's response was incorrect. They provided information regarding my XXXX home, and not the impacted XXXX home. This complaint relates to the XXXX home. It is not a duplicate matter. Caliber must address the XXXX matter. They have not yet done so.
Consumer complaint received 2018-01-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (MA)

I had a lease with USBank. It has been one of the worst banking experiences I 've ever had. Their autopay feature never worked, though I tried to set it up multiple times. In addition, every month their web site account summary showed a different amount due ( typically {$0.00} ) than their PDF monthly statement. I never knew how much I actually owed. They often charged late fees even though their web site account summary and payment page said {$0.00} was due. 

All of this is just context for how my 39 month lease experience went. My specific complaint at this point in time is the charge I received on XXXX XXXX, 2018 for Excess Wear & Tear after returning the car. The car had only normal wear and tear -- no accidents, no serious dents, and it was garage kept in the winter. In addition, it was well under mileage -- the lease included a total of XXXX miles, but the car was returned with under XXXX miles. 

Still, after all of this, they 've billed me for an Excess Wear & Tear fee of {$190.00} ( plus {$12.00} in tax ). This does not seem right.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CO)

Yesterday I received a bill in the mail from my XXXX gas credit card company, which I have had for many years. This is the second bill I have received with an envelope marked " '' XXXX* XXXX '' as the return address, printed in black. The postage is prepaid. The envelope does not look like a bill. It looks like junk mail. I almost threw it out last month and I almost threw it out again. I opened it and searched and searched the fine print for information about WHO this bill was from. Finally, on the bottom of the bill, in very fine print, I saw the information " Make Payment to : XXXX  XXXX CO ''. I think the company is intentionally making the bill look like anything BUT a bill, in hopes the receiver will throw it away, not make their payment, and then be charged a late fee or penalty for non-payment. I think it is deceptive, BY DESIGN. I called them and complained to a customer service agent. I was very angry. The bills did not used to look this way. When I got to the 2nd page of the bill, there was a clear red " XXXX '' picture of a credit card. By then I had spent annoying minutes looking for this information that should be clearly marked both ON THE ENVELOPE and on the face page of the bill. This will be my last bill from XXXX. I am writing the company, and cancelling my card! As far as I 'm concerned, they are setting themselves up for a class action law suit - I am curious how many people are throwing this bill in the trash. I do n't know what the " XXXX '' aspect is of the bill, but it is new - I think some rewards program. This is either a shameful practice, or very BAD marketing!
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, 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. (AR)

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. THE CREDIT BUREAU DISMISSED MY COMPLAINT AND INSTRUCTED ME TO CONTACT THE COMPANIES. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX - XXXX
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I 've called Experian numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.
Consumer complaint received 2018-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am complaining about transunion and XXXX  credit reporting agencys. I have a XXXX XXXX XXXX XXXX account reporting on my credit report that does not belong on there. I am uploading proof from XXXX that they completed there investigation and this account is not reporting on my XXXX credit report. All my reports should be reporting the same. On top of this XXXX has sent me a letter stating if I do not send in additional information they willing not re-dispute this account for me thats not right because having this wrong information is affecting my credit score
Consumer complaint received 2018-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have my loans consolidated with XXXX XXXX. In XXXXXX/XX/XXXX, I was told that I had to re-certify to stay on the IBR plan. I sent in all of my information and uploaded my documents to the site as needed/requested. I contacted XXXX XXXX in XXXX because I still had not heard back from them regarding my new IBR plan/re-certification. That did n't make sense to me at all. I also continued to make all of my monthly payments and did not miss ANY payments. I was told that because I had applied for permanent/total XXXX, that my IBR paperwork had to be re-submitted. I was told by my doctor that even though I have XXXX  XXXX XXXX XXXX, that because I am still working that I did not qualify for total XXXX. I did not send that paperwork in. I STILL made all of my monthly payments while my account was in deferment. I did indeed re-submit my certification for the IBR plan in XXXX. In XXXX, my account shows DELINQUENT and PAST DUE. SEE BELOW. My IBR was approved for {$270.00} beginning in XXXX, yet XXXX XXXX is saying I am delinquent for the month of XX/XX/XXXX, yet I made a payment of {$220.00} which was my original payment and was made on XXXX XXXX for the XX/XX/XXXX payment. Now it is showing on my credit report as being 30 days delinquent. MY RE-CERTIFICATION PAPERWORK WAS SENT IN IN A TIMELY FASHION YET THEY ARE CHARGING ME {$1400.00} FOR THE MONTH OF XX/XX/XXXX. 

THEY ALSO WENT UP ON MY PAYMENT. I WAS PAYING {$220.00} AND NOW I HAVE TO PAY {$270.00}. WHY IS PAYMENT GOING UP? 

I AM MAKING PAYMENTS AND MY BALANCE IS NOT COMING DOWN. 

Last Payment : {$220.00} on XX/XX/XXXX Next Payment : {$270.00} Amount Past Due : {$1100.00} Current Payment Due : {$1400.00} on XX/XX/XXXX
Consumer complaint received 2018-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Preferred Collection and Management, Inc. (FL)

I have already lodged a complaint but apparently i did n't word this correctly. According to the law Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the creditor. This notice also must explain what actions to take if you believe you do not owe money. I watch my credit and everything owed very very well. I have management services and monitor my credit weekly as my soft inquiries will show you. I was NEVER contacted about this debt until it was reported on my credit. At that time, i disputed because some other Medical Bills happened to come thru as well that i started a payment plan on with the same Medical Facility. Once the dispute came thru i received my first piece of mail from this company. They obviously had my address, and when i called to have them correct the issue properly they knew who i was by my telephone number. This is " parking '' debt and its not fair to the consumer which the cfpb seems to hold strong ground on. Again, as stated before. I know this is my debt and i know its something my insurance should have paid. I will in righting here agree to settle, start a payment plan until the insurance pays what they should, but thats only when this company does this correctly. The day they remove this from my report and do this legally is the day you we start a payment plan to settle this. Parking a debt is illegal and damaging to the consumer. This is my last attempt before retaining my council.
Consumer complaint received 2018-01-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I requested a loan from XXXX XXXX XXXX in XX/XX/XXXX and was approved for {$300.00} on the XXXX of the month. Every two weeks {$100.00} was taken out of my account and I was notified a couple days before every withdrawal, but when I tried to contact the company and access my account on their website to keep track of the withdrawals and the payment schedule I was denied access. I finally got through to a customer service rep weeks later and told them my problem. They set up the prompt for me to access the account and told me my ridiculously high interest rate. I was then able to see all of the scheduled payments all the way to XXXX of XXXX. I called back the rep and I had a lengthy discussion about why are all of these payments scheduled to be withdrawn. She told me the payments are to cover the interest i agreed to went I took the loan. I told her I was unaware of this and would n't have agreed to this if I knew, especially since the loan was for such a small amount. She told me I could pay off my loan at anytime, by paying twice what I borrowed. I do n't think this is fair and I 'd love for someone to look into what can be done for people like me who are being preyed upon in their time of need. I wanted a loan to assist with my car 's engine issue which is already {$4000.00} and for me to get {$300.00} and have to pay back almost {$2000.00} plus, that I did n't even borrow should be considered a crime. Please help me!!!
Consumer complaint received 2018-01-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I wired {$5000.00} to coinbase, inc on XXXX XXXX, 2017. I did not include the account reference code in the wire. 

I contacted Coinbase customer support and they promised a wire reversal. Weeks have passed. Repeated attempts to contact coinbase again regarding issue was unsuccessful.
Consumer complaint received 2024-10-04
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. (PA)

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. 

XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, XXXX : # XXXX, DPT EDXXXX : # XXXX, DPT EDXXXX : # XXXX, has violated my 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 an 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 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.
Consumer complaint received 2018-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account was reported as 30 days late in XXXX 2016.  XXXX XXXX XXXX XXXX showed a {$0.00} payment due at the time. They also had the wrong address on file and never sent a bill to the correct address. I have disputed this matter over 3 times with no correction to my credit report. I have even called several times to get the issue corrected and there has been no update to my credit report.
Consumer complaint received 2018-01-17
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: Gatestone & Co. International Inc. (FL)

I received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.