davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

I am writing for assistance with a dispute for a debt that IQ Data International is attempting to collect in the amount of {$19000.00}, allegedly for an apartment located in XXXX XXXX, Texas. This is a case of identity theft, and I am not responsible for this debt. 

I have contacted IQ Data on two separate occasions requesting a fraud packet to be mailed to me so that I could properly address and dispute this matter. Despite providing my correct mailing address, I never received the packet. When I called again to follow up, I was informed that their office would not be sending one, and instead, I was instructed to mail my own information to them. 

In compliance with their request, I sent the necessary documents via certified mail, which were signed for and received by IQ Data International on XX/XX/XXXX. Since then, I have called weekly to check on the status of my dispute, only to be told repeatedly that the case was still being processed. When I contacted their office over a month later ( XX/XX/XXXX ), I was informed that my documents were never forwarded to the dispute department, and that the dispute would only just begin to be processed. 

It is deeply concerning that, despite my continued efforts to resolve this matter, it appears that their company has been uncooperative and dismissive of my attempts to rectify this fraudulent situation. I have been met with frustration and hostility when I informed their representatives that this is a case of identity theft, which I believe has hindered the resolution of this matter. 

This unresolved debt is severely impacting my credit report, making it impossible for me to apply for any loans or credit-related opportunities. The fraudulent account is damaging my financial standing and affecting my ability to secure necessary financial resources. As I have complied with all IQ Data 's requests and have been extremely patient, I am asking for immediate action to be taken.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-25
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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. 

I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. 

The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. 

XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of this year, I became involved in an employment scam with a company out of New York calledXX/XX/XXXX. As a result of this 'employment ', XX/XX/XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( XXXX, Bank of America and XXXX ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to aXX/XX/XXXX store, where it was shipped to XXXX XXXX. After about a month of this type of activity, I told XX/XX/XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XX/XX/XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that XXXX, XXXX, and Bank of America took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into bankruptcy. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.
Consumer complaint received 2024-10-26
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. (NJ)

Re : Incorrect Addresses on My Credit Report Dear Sir/Madam, I am writing to request the removal of incorrect addresses listed on my credit report. I have noticed the following addresses that do not belong to me and where I have never lived : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses were associated with temporary stays at my friends ' homes and do not reflect my actual residence history. I request that you remove these addresses from my credit report to ensure its accuracy.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I have sent this company a cease-and-desist letter. This company has blatantly refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. I have attached all proof including certified mail receipts, and my attempts to resolve this account. I have not received anything back, and clearly, they have received my cease-and-desist letter. This company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of OHIO. This company also continues to update a balance of XXXX ( Proof attached ). Please have this company cease all collection activities and DELETE this account from all THREE CREDIT BUREAUS, this is my last attempt, then I will move forward with legal action.
Consumer complaint received 2024-10-25
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 am writing to inform you that I have been a victim of a data breach and identity theft. As a result, several fraudulent accounts and inquiries have been added to my credit report without my knowledge or consent. I am requesting, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you block and delete these accounts and inquiries from my credit file immediately.Below are the fraudulent accounts I am requesting to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX. XXXX XXXX XX/XX/XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-03-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (PA)

In early XX/XX/XXXX, I went to make my car loan payment and noticed that my balance said " XXXX ''. This was not correct and I called Wells Fargo immediately. It was determined that a car dealership had accidently paid off my loan ( when it meant to pay off another loan ) and it would take a week to get the loan reinstated. I said over and over again that I was concerned about two things : accruing any fees and this hurting my credit. I was assured neither of these would happen. 
After about XXXX weeks, my loan was still not reinstated. I called Wells Fargo and they indicated no one from the dealership had returned their phone call. I asked them to please contact the dealership as I wanted to get this issue corrected. I had to continually call over and over again to check on the status. Once the issue was finally corrected ( after about XXXX weeks ), I noticed that I had an additional charge of {$13.00}. I called and inquired about this and the first gentleman I spoke to said " Do n't worry, just make your regular payment and this fee will fall off ''. When I went to make my next month 's payment, the fee was still there. When I called in to inquire, I was told that because my account was " Paid Off '' for a period of time, I had to pay this fee for the accrued interest. 

I was assured over and over again that I would not have to pay any fees and my loan would " return to normal '' once this was fixed. My husband and I did absolutely nothing for this to happen - we were victims of bad luck ( or a bad employee who did n't verify the loan information before they paid it off ). I have spent hours and hours on the phone attempting to resolve this issue. All I am asking for is that the fee of {$13.00} be removed so I can continue to pay my car loan amount that I was paying before this whole mess happened. 

I submitted a complaint through wells fargo 's website and it was handled extremely poorly. I finally received a letter in the mail well over 30 days from the time I submitted it and it mentioned NO WHERE what my actual complaint was. I would like to get this issue corrected and put this whole mess behind. I believe that Wells is dragging their feet on this issue in hopes that I will pay the fee.
Consumer complaint received 2017-01-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen holds the primary loan on my investment property. There is an impound account for taxes and insurance. Ocwen pays the insurance late every year. Every year, I get a letter from the insurance company threatening to cancel my insurance. This year, my insurance got cancelled, exposing me to potential liabilities of XXXX of dollars. Ocwen also sent me a letter saying they were going to buy insurance on my behalf and charge me for it. They did not tell me how much they were going to charge me.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I gave a personal check to my daughter to cash, she does not have an account with Bank of America, she went to BOA in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.
Consumer complaint received 2024-10-25
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. (DE)

I have an unauthorized inquiry from XXXXXXXX XXXX on XXXX. Under the FCRA specifically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. XXXX XXXX  have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I have not initiated any transaction with XXXX XXXX  furthermore i do not have an account as defined under 15 U.S.C 1693a ( 2 ) with XXXX XXXX for review or collection. This needs to be removed immediately. Pursuant to 15 U.S Code 1681b without permissible purpose this inquiry needs to be removed immediately.
Consumer complaint received 2024-10-25
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)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX AND XXXX 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 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 2024-10-26
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. (NC)

I am requesting your support with this incorrect account on my credit report, which has been hurting my reputation as a customer. I need your help to remove these accounts because they have been reported incorrectly and negatively.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am submitting this complaint because Citibank has locked my account and is preventing me from accessing it despite my repeated efforts to follow their verification process. After contacting Citibank via phone, I completed all the steps they advised for verifying my account. However, I was informed that I would need to wait for a letter containing a verification code to unlock my account. It has now been several weeks, and I have yet to receive this letter, even though I have received other unrelated mail from Citibank during this time. 

I have contacted Citibank multiple times to resolve this issue, but they have informed me that I am not allowed to verify my address, and I am also not permitted to go to a branch for in-person verification, even though I have all the necessary legal documents. As of now, Citibank is telling me that there is no way for me to regain access to my account. I am requesting assistance from the CFPB in resolving this matter, as I am being denied access to my funds without any feasible means of verification or resolution from Citibank.
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2016 PayPal credit opened an account in my name without my consent. A charge of {$190.00} was added to the account. It may have been opened it in an outright fraudulent manner ( as in the XXXX scandal ). Its also possible that it was done deceptively in the on-line " check-out '' or " pay with Pay Pal '' process of an on-line purchase. i.e., it was set-up where the purchaser would have had to " opt-out '' of opening a PayPal credit account in the course of submitting a payment. In any XXXX, I DID NOT wish to open a credit account with Pay Pal. More payments which I thought were being made using traditional " Pay Pal '' continued to charged instead with " Pay Pal Credit. '' {$180.00} was made on the account on XX/XX/2016. Other charges were made in XX/XX/XXXX, mainly several payments to XXXX. I received no bills or notification by mail or even by email until XX/XX/2016 when I was suddenly notified that I had an overdue balance which had accrued interest and a service charge of {$25.00}. When I was finally able to contact them via phone on I was told that the service charge would be credited to my account. It was not. Under duress and fearing for my credit rating, and to avoid the time and headache of a dispute, On XX/XX/2016 I paid the balance and the interest charges which totaled {$420.00}. I was told that the account ( which I had never opened ) was closed and that there was a zero balance. However I continue to receive notices of an outstanding balance and interest charges accruing.