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. (PA)

My account with the following company 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 in 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.

This company 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
Consumer complaint received 2024-11-06
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. (SC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-31
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: ALLY FINANCIAL INC. (CA)

Vehicle lease with XXXX XXXX for 30,000 miles. Returned vehicle with 28,000 miles. Sent a {$400.00} threatening bill for excess tire wear, missing key, and late return. 

After two calls, XXXX XXXX admitted the missing key and late return were incorrect charges and removed. However, they will not remove or allow challenge for the excess wear, repeatedly threatening continued calls, letters, and damage to credit. 

Bottom line : XXXX XXXX falsifies end of lease charges and bullies consumers into paying them.
Consumer complaint received 2024-11-07
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 appeared in court against XXXX XXXX XXXX XXXX XXXX to address the unpaid rents due as the property was not in living conditions. XXXX XXXX  were to bring the home to tenant right standards and did not so the city condemned the property and we had to move immediately.
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-06
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. (OH)

Reviewed most recent credit report from TransUnion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have record on file of me ever applying on the dates that are represented on my credit report with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the inquiries in questioned did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-11-07
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. (MD)

I have made several phone calls & sent letters to the companies and I have not been successful at settling unauthorized inquiries or XXXX information that I have on my Report. This is greatly affecting me as it is decreasing my chances for approvals.
Consumer complaint received 2017-10-31
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: BARCLAYS BANK DELAWARE (FL)

This is a complaint against BARCLAY CREDIT CARD. INQUIRY DATE XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
Consumer complaint received 2017-10-31
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: EQUIFAX, INC. (FL)

I am the victim of identity theft. Someone stole my identification and got medical services. Those medical services were never paid by the perpetrator and is showing up on my credit reports. Equifax is blatantly disregarding my rights by law and willfully neglect to make my credit report accurate. By law, the Credit Reporting Agencies must block fraudulently opened accounts from appearing on my credit report, according to the FCRA Section 605b. The consumer reporting company has four business days to block the fraudulent information after accepting my identity theft report. On XXXX/XXXX/XXXX I sent by certified mail to Equifax a copy of my government issued Identity Theft Report detailing the theft of my ID and of the services illegally gained, a copy of my government issued Drivers License for identifying purposes, a letter citing FCRA 605b, and a credit report page showing the two accounts that were illegally gained. There are certain instances where a Credit Bureau can decide not to block the illegal information, however, I have surpassed all of the requirements to warrant a block of the accounts appearing on my report fraudulently. ( c ) ( 1 ) ( a ) I did not request this block in error. ( c ) ( 1 ) ( b ) There was no material misrepresentation of facts by me. ( c ) ( 1 ) ( c ) I did not obtain possession of goods, money, or services as a result of these illegal transactions. Not only did I surpass the requirements to lead to a successful blocking of the fraudulent accounts, I also sent in every item as required by law to do so. On XXXX XXXX, XXXX, I got a letter from Equifax stating that they will not block this fraudulent information, and they did not give me any specific reason as to why. Why is Equifax openly violating my civil rights and failing to follow the law? I am suffering mentally, physically and financially over Equifaxs ' handling of this matter.
Consumer complaint received 2017-10-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I have a previous complaint that is still in progress. I finally got a hold of the mortgage company Carrington Mortgage and found out what I needed to complete the loan modification. I waited for weeks and even tried numerous times to reach the company. Each time I was made to wait long periods of time. I am presently in a XXXX education program and I student teach so I can not afford to wait on the phone all day. When given the option to have a callback, I selected yes but no one calls back that day. I waited for more than a week until someone called. Unfortunately, I was in the middle of XXXX. Finally today I got a hold of someone. They told me that all my paperwork was in but that I missed the deadline. Not once was I told about a deadline. Even if there was, I think that it is very unfair not to be give the information I need to complete the file. Then I am penalized for being late due to the company not answering my call or even calling me back. This is ridiculous and is not professional in my opinion. I need this situation escalated.
Consumer complaint received 2017-10-31
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: JPMORGAN CHASE & CO. (FL)

This is a complaint against Chase Bank XXXX, XXXX. INQUIRIES DATE : XXXX XXXX AND ALSO XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

At the end of XXXX XXXX I called customer service about the annual fee shown on my credit card statement. The agent said they were unable to waive the annual fee at the time but wanted me to reconsider keeping the card. The representative said that if I paid the fee but decided I wanted to close the card within 90 days, I could have my annual fee refunded and close the credit card at that time. I called again in XXXX to close the credit card since I could not use the benefits any longer. However when I was talking to the agent, they said that they would not refund the annual fee. I told them that I was instructed by the previous customer service agent that I would have 90 days to close the account and get my fee refunded. The representative was adamant that I was wrong and said there was nothing that could be done. I ended up closing my account and Chase was able to trick me into paying an annual fee for a card I do not want to keep.
Consumer complaint received 2024-10-11
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

In XX/XX/year> I reside at XXXX XXXX XXXX  and moved out using " Notice of Termination of Leas For Health and Safety Noncompliance by Landlord and sent all supporting documents via Certified Mail to Genesis Debt Collections and XXXX XXXX XXXX. a couple of weeks later Genesis Debt Collections CLOSED out that Collections and reopened the same Fraudulent claim this time using their LLC DBA Columbia Debt Collections for the same Fraudulent Claim. Columbia appears to be running a Collections Scam using both Genesis Debt Collections and Columbia Debt Recovery LLC DBA, also Columbia Debt Recovery to run the same Fraudulent Collections Scam.
Consumer complaint received 2017-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IL)

XXXX XXXX is still at misleading misrepresenting false debts that steam from identity theft charges.XXXX XXXX n written letters stated do n't pay this n that for months issuing checks but now asserts a different position n for charges XXXX  does n't owe the amounts n computer records of XXXX XXXX blacks out n was reported for breaches card thefts unlawful charges n other suspicious allowed activity vs my card n therefore ca n't charge me by retroactively changing its position after they thought the file was closed here I am opening up another one on them.730 $ + u kidding? when who? last time i checked bal XXXX that way it will remain misleading statements by a bank n it 's reps, is serious business .on identity theft relative charges nothing can be held vs me technically so all the debt must be discharged I 've written after the charge list card theft which I never got a replacement I asked XXXX XXXX  stop contacting me in writing it still continues anyhow I should n't have to pay for a card to a Non licensed, debt collector for a bill I have n't not used or ordered, other than cheating n deceit XXXX XXXX  even attempts to erase payments made for months during their computer crash '' breaches which were FTC reported that is which causes even further harm on the aspects of failure to notify non " verified orders were being made by people yet XXXX was being accounted as oweing then not oweing then oweing, XXXX XXXX has confused me yet again which is why Americans  should deal with the customer service part we would n't have mixupslikethis, ivdont owe XXXX XXXX XXXX  anything
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Regional Adjustment Bureau, Incorporated (FL)

The number has repeatedly called asking for information about a family member. The person would not identify themselves or who they worked for when asked. The calls are not regarding any business of my own, but continue. I had to google the phone number just to find the name Regional Adjustment Bureau , Inc. The most recent call was today, XXXX, at XXXX.
Consumer complaint received 2017-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (PA)

When I ( and my Mother, cosigner ) applied and received a NJCLASS loan in XX/XX/XXXX-XX/XX/XXXX, HESAA 's  website advertised " flexible repayment options. '' That led us to believe that NJCLASS was similar to federal loans that offered flexible repayment options. However, it was n't until the loans went into repayment in XX/XX/XXXX that we learned HESAA 's advertised " flexible repayment options '' referred only to the 3 repayment options HESAA offered when you first took out your loan -- Option 1, Option 2 or Option 3. I am drowning because they are terrible at customer service, availability of customer service ( the website is archaic and NOT helpful for submitting forms etc. ) Most of the time, sensitive information is having to be communicated via email " gmail ''!!! 

When I first applied to NJCLASS, I was denied and was advised I needed a cosigner. We called HESAA to advise we had no one willing to obligate themselves to this debt. The agent stated over the phone that if we chose Option 3 ( deferred principal and interest until graduation ) -the cosigner would not be liable for any payments because no payments would be due until my I graduated. And, when I graduated, HESAA would consolidate all of my NJCLASS in my name only, and the cosigner would be removed. We operated in that manner and when it came time to consolidate, HESAA denied my consolidation loan and advised he needed a cosigner.
Consumer complaint received 2017-10-31
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: AMERICAN EXPRESS COMPANY (FL)

This is a complaint against AMERICAN EXPRESS, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails
Consumer complaint received 2017-10-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (MN)

XXXX XXXX has called me several times and misrepresented themselves as an attorney or attorney 's office. They left misleading messages on my cell phone and called at inappropriate times on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (CA)

There are XXXX ( XXXX ) separate credit reportings that were opened on XXXX XXXX, XXXX ( 4 yrs, 8 mos ) and XXXX XXXX, XXXX ( 4 yrs, 1 mo ) by XXXX HOSPITALISTS and XXXX  XXXX SOLUTIONS. This is a gross misrepresentation of services I have never received and these debts that are being reported are not mine. I never received an services at any of these facilities and or by their corporations. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity
Consumer complaint received 2017-10-31
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. (CA)

I checked my Equifax report and it has not updated in almost 6 months. Several debts have been closed and while my XXXX score has improved by 87 points, the Equifax report has yet to update.
Consumer complaint received 2017-10-31
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. (FL)

I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing, from the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX  XXXX XXXX # XXXX Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I had an account with coinbase to purchase and store crypto currency. On XXXX XXXX I had reason to believe my account had been compromised and immediately closed my account. Upon doing so I was prompted automatically to empty my digital wallets and transfer any balance to external wallets. However, i had vault withdrawal ( a multi-sig delayed transaction Wallet, used for extra security, withdrawals take 48 hours to complete ) of XXXX bitcoin in process which I had forgotten about. I was NOT prompted to transfer this or reminded in any way. As soon as I realised I tried time and time again to contact coinbase to no avail. Finally I managed to get through to them on XXXX XXXX where the operator said he couldnt see the transaction and we then got cut off. I forwarded the withdrawel confirmation email and requested they call me back but they did not. I then managed to eventually get through to them again on XXXX XXXX and this time they confirmed the transfer had gone through and they could see the funds in my old wallet. The operator said he couldnt transfer them manually and a specialist would have to do it, but this would take a few weeks. I had no option but to agree obviously. A few hours later however, I received an email from coinbase stating that as I had closed the account, my funds were now forfeited to coinbase!!! I checked their terms and user agreement and there is no mention of this. They had already confirmed that a ) they can see the funds and b ) they are able to manually transfer the funds. So there is absolutely no justification for them to retain my funds at all, i committed no wrongdoing or breach of our terms. I closed my account ( and opened a new one ) due to security concerns. This is literally robbery!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting actXXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights, 15 U.S.C 1681 section 602A. 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
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( Mo ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX bal. {$2100.00}, XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXX XXXXXXXX XXXX {$320.00}.