davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (GA)

Looking at my credit report I saw late payments on an account that Ive always paid on time. Credit reports are the focal points in todays society and without it the world is doomed, this missed payment is not accurate and I kindly ask for you update this account and remove these late payments from my credit report on the account listed below. 
XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$530.00} Account number : XXXX Opened : XX/XX/year>XXXX  b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Please provide documentation proving that I was ever late paying on this account if you arent able to provide proof I ask and demand the accounts to be updated with true status of showing on time payments. Ive always paid my accounts on time without delay. Thanks
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANS UNION ( AKA " TU " XXXX HAS BEEN STEALING MONEY FROM MY XXXX ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY TU HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from eye problems!!!! & because I need to write other letters to other people about other things! 

I have filed more detailed complaints about TU before! I will file more detailed complaints about TU later! For now - I need to keep this short! 

I cancelled tu 's so-called " service " months ago! 

I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 

Apparently - - - tu used a different merchant id to steal more $ $ $ from my account!!!!!!!
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION ON FILE. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX THE FOLLOWING INFORMATION LISTED NEEDS TO BE UPDATED ON MY FILE IMMEDIATELY.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NH)

TD Retail Card Services ( TDRCS ) opened a XXXX account in my name without my knowledge or authorization. I contacted them, submitted an affidavit and other materials and they are in the process of resolving the issue. One credit bureau has removed the account and charge but the other two have not yet. However, my complaint concerns my rights of the Fair Credit Reporting Act ( FCRA ) which says that TDRCS   MUST give me copies of applications and other business records relating to transactions and accounts that resulted from the identity theft if requested in writing. I sent my written request on XX/XX/20 to the email address provided to me for submitting the affidavit and other supporting documents. I called yesterday, XX/XX/20, to verify that my request had been received and was told by XXXX ID XXXX that TDRCS  would not release that information to me. I am not sure how they can deny that information to me as the FCRA specifically provides me the right to the requested documents. 

I would also like to file a complaint on the charge against the fraudulent account. My credit monitoring service alerted me to a hard inquiry on XX/XX/20 and I called TDRCS on that date to report the fraud and was told that no charges had been made against the account and was assured that they would not allow any charges to be processed while they investigated my fraud report. However, 6 days later on XX/XX/20, TDRCS  allowed the fraudster to make a charge against the account even though I had reported the fraud 6 days earlier and TDRCS assured me that all activity would be blocked.
Consumer complaint received 2020-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX  and Transunion The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (VA)

Hello, First I would like to say that Lendmark Financial is a great company and I plan to continue to do business with them if they see fit. I requested a car loan for my husband back in XX/XX/XXXX and we were approved for the vehicle. He was hospitalized for weeks due XXXX health and was out of work for some time. My husband was sick again during the time of XX/XX/XXXXand XX/XX/XXXX and he was not being paid for his time out which caused the account to go past due XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX we were late 30 days and XX/XX/XXXX I was also late 30 days. Unfortunately, we had a death in the family and I was responsible for the cremation and the memorial services which set me behind those 2 months for my car payment. I will also admit with much going on I also lost track of my financial obligations. 

Although the loan has been refinanced and well appreciated, I'm still taking a big hit with my credit score and at this time, I'm trying to get approved for a mortgage. Please consider updating the past due history for the previous loan. 

Lendmark Financial was gracious enough to refinance the loan in which I am thankful.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

My previously submitted complaint file numbers with Experian are : XXXX and the one before that is : XXXX from my last complaints. Experian seems to be ignoring their obligation to adhere to LAW by not reporting correctly and responsibly. This is the last time I will submit a complaint here. If this is not fixed asap, I will sue them in XXXX XXXX XXXX. They have not repaired previous complaints nor tried to report accurately and therefore, seriously do not understand their grave responsibility to report permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604!

I want the accounts updated/fixed immediately to reflect a proper credit score which is being affected by this ridiculous Identity Theft, securities fraud, or otherwise! I want a full audit by the CFPB as well! There has never been ANY CONSENT NOR PERMISSION to post the year of birth either! Experian also does not reflect the accounts that are the oldest. 

XXXX XXXX XXXX  " XXXX  '' is paid in full and not late at all!!! It must reflect that asap. I also want the credit limit to reflect accurately! Account number is XXXXXXXX XXXX XXXX 

XXXX is also paid in full which I will add all the proof onto this complaint. The Account number is : XXXX. This must be an account that reflects " paid in full '' and " never late. '' I expect to see this asap as well! 

And finally, a bankruptcy was complained about in previous complaints and never removed. Remove it now!!! Experian does NOT have MY CONSENT to put this onto their reporting for my credit report. 

Per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Finally I am stating it here to have proof that I AM NOW opting out of your reporting services per 12 CFR 1016.7 Experian do not report any other information about me without my consent of which I expect to receive a LETTER IN THE MAIL with future requests of what I allow to report!
Consumer complaint received 2023-08-16
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. (CA)

My credit report is showing late payments to XXXX  XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX  customer service representative.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On Friday, XX/XX/20, I contacted Bank of America to find out about their balance transfer terms due to the website making it sound like their was an offer available but verification was needed on my account. I called and got transferred to the bt department, or so I was told, the woman asked me if I owned my home, which was an odd question. She said in order to do the BT they needed to update my account. I provided the answer and she needed to transfer me now to the credit department. The next representative ( 3rd person ) said they needed my annual income to get me the terms. They said it was going to be a soft hit on my bureau and no impact to my credit score. I was then placed on hold. 

I have a car loan through Bank of America and 2 credit cards. One with an open line of {$14000.00} and one with over {$5000.00} available. 

When he came back in the phone, the gentleman said not only was he unable to give me the terms on the bt, but he was a closing my account and reducing my other line to {$500.00}. I never asked for this and it will now negatively impact my credit score and something needs to be made right.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (NJ)

XX/XX/XXXX-XX/XX/XXXX XXXX XXXX {$2400.00} XXXX added on {$330.00} Rpm added on {$300.00} I wrote 300 letters toXXXX Customer XXXX XXXX XXXX XXXX, NM XXXX
Consumer complaint received 2023-08-16
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OR)

On XXXX I came across an XXXX account called XXXX. I wanted to buy shoes and the account pressured me into using XXXX. I had tried giving my XXXX information so they could send me an invoice, they stated they dont take XXXX. I tried to use XXXX because I know they also have a goods and services feature. They then made up an excuse that their XXXX couldnt receive any more funds. I did not really understand this and was confused so I just agreed to XXXX because they suggested it but I didnt know that XXXX doesnt offer goods and services transactions. The total transaction amount was {$610.00} and the posted transaction date was XX/XX/. The XXXX recipient used the email XXXX with the name XXXX. They stopped responding after receiving the funds. I filed a claim with my bank, Wells Fargo, explaining that I was pressured into using XXXX even after I tried to use XXXX goods and services payment. I also disclosed to them that I later discovered the XXXX account was using stolen reviews from another business going by a similar name. I disclosed that this false information misled me into thinking the account was a reputable and trusted business. Wells Fargo responded with a statement that said they couldnt help me because the transaction was processed as requested however, that is literally how a scam works. The promise of a good or service and then not following through. Of course I authorized the payment because it was intended to be for an exchange of goods, however, they scammed me by never responding after that. 
As of XX/XX/ they have deleted their XXXX  account.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I purchased a Vehicle in XXXX from Us Auto Sales- Whom I have had several Complaint with the XXXX. The car began randomly shutting off 2 weeks after purchase and continues to do so. 2 Months ago I was told to take the vehicle in for a diagnosis. When I called back to advise what the diagnosis was US Auto was closed without any notice or guidance. About a month ago I found that a new company located in XXXX XXXX name Westlake Portfolio XXXX has my loan and they began demanding payment. I advised them that this was a breach of contract according to GA law and requested a supervisor. I am never provided with a supervisor. I have asked where was my warranty, Title, and contract and they do not have it. They have stated they would provide me with a copy of the power of attorney from us auto and they stated they only have a copy of my Title and it is still in the name of US auto. Each person I speak to places me on hold when I call and ask these question and will hang up about XXXX minutes of me holding - on XX/XX/XXXX I spoke to 3 individuals. The first person requested that I make payment regardless of them not providing me with the information requested and then told me my car my car was up for repossession. I spoke to another gentleman who said it was not up for repo. Lastly I spoke with a supervisor who advised me to speak to the legal department. I call XXXX XXXX at XXXX who states he could not assist me and he did not know why they gave me that department. I have sent emails as well - No response- I wake this morning XX/XX/XXXX and my car is gone- I have always paid my care note. I am a mother of XXXX young people. Today I had to take a XXXX XXXX, the XXXX XXXX. the XXXX XXXX and the XXXX XXXX to get to work. I am utterly disgusted. This company wanted my money with no explanation and also threated my credit. I just need help. I am in no position to purchase a new car. They said I was 45 days past due
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (LA)

I took out {$350.00} payday loan with a {$400.00} payback on XX/XX/2023, due XX/XX/XXXX,. Asked for emergency extension to my next ( second ) social security direct deposit, vi recently retired due to a XXXX. XXXX, XXXX at XXXX XXXX XXXX XXXX advance America, told me she has to put through the check she has on XX/XX/XXXX, but my SS direct deposit comes on XX/XX/2023. She will trigger my banks overdraft or NSF fees, I barely can pay for XXXX & XXXX, UNTIL XX/XX/XXXX. My bank balance checking is {$2.00} only. 

Will gladly arrange automatic {$400.00} payment for XX/XX/XXXX. Else health and wellness will suffer. 

My name XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (NJ)

entire time 10 years until XX/XX/2020. XXXX makes my blood boil. I have called and was lied to told to provide my checking account information over the phone in order to turn my cell phone back on. i called at XXXX them at XXXX {$300.00} was added to my bill. 

Scam scam scam I was told I can not call the office of the President just to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I did three thousand times. the last letter I mailed on XX/XX/2020. Two collection agencies later. 

I chose to leave XXXX XXXX every time I called the XXXX supervisor would threaten me on a recorded line. I need peace of mind and a good Heart to beat inside of me. Im on a XXXX XXXX due to the stress at XXXX XXXX   taking all my money 4 10 years.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (NY)

In XX/XX/XXXX, I submitted a rebate offer from XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I received two prepaid Visa cards from North Lane Technologies. One was for {$4.00} and one was for {$6.00}. The cards were valid for one year, with an expiration date of XX/XX/XXXX. 

In XX/XX/XXXX, I tried to use the cards, only to find out there was only {$.00} balance on one and {$3.00} on the other.

In the fine print, North Lane charges a maintenance fee of {$3.00} after 6 months, wiping out 70 % of the balance. On XX/XX/XXXX, I called North Lane and requested they reconsider this policy and restore the small amount on my cards. I was met flatly with, No, its in our terms and conditions.

This is a terrible and deceptive practice to claw back money for absolutely no reason.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PROPEL FINANCIAL SERVICES LLC (AZ)

I reserved a room for XXXX days on XX/XX/XXXX. There is a {$50.00} per night deposit placed on your card. I reserved the room online and presented the card at check in. A week after checkout the hold was still pending. I called after the XXXX the company claimed was the most it would be held and was told I needed to submit paperwork with the amount, my name, and the last four of the card. My paperwork didnt include the card number but I included it in my email. They said it had to be in the Invoice so I drove to the hotel and got someone at the front desk to print me out and invoice with the card number on it. By this time the phones had been released over XXXX weeks ago and the amount was showing XXXX in their system instead of XXXX so the lady hand wrote the amount up on the invoice. This bank is refusing to refund my money and tell him that I will have to wait until 30 days to get this money back when it was released on XX/XX/XXXX and there is no reason for them to be holding i