davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Dispute of Inaccurate Reporting by Department of EducationXXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of EducationXXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/year>. However, in XX/XX/year>, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXX Late Reporting** : Similarly, the account reflects a XXXX late status in XX/XX/year>, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all. 

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXX late entries in XX/XX/year> and XX/XX/year>, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score.

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-03-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

My mother purchased a home in XX/XX/XXXX. About 10 years ago, CHASE bought the loan from the previous mortgage company. For the past 20 years, my mother has had trouble paying the mortgage payments. However, CHASE has my name shown as the co-borrower for the mortgage. I was only XXXX years old when my mother purchased the home and I NEVER filled out or signed any mortgage papers. My mother had my name placed on some of the papers as the beneficiary just in case something happened to her. I am NOT nor NEVER was a co-borrower or owner of the home. I 've tried several times to have my name removed from the mortgage loan, but the XXXX credit bureaus continue to reflect CHASE on my credit history as a borrower for the mortgage. In XX/XX/XXXX, my mother went to the XXXX XXXX XXXX of Deeds and have a Quit Claim Deed done to remove my name. The home is commonly known as XXXX XXXX, XXXX, Michigan, parcel identification XXXX. The CHASE mortgage case number is XXXX. I am applying for jobs and this issue with CHASE is contaminating my credit history. I should not be held accountable for my mother 's mortgage loan and a home purchased in XX/XX/XXXX.
Consumer complaint received 2015-10-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals. 
PS. I do n't mind my name being published. Actually, I prefer to be named.
Consumer complaint received 2024-11-13
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. (NJ)

In accordance with the " FCRA '' ( XXXXXXXX XXXX  ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I checked my account on XX/XX/year> and found that my account had been substantially overdrawn in which I contacted my banking company XXXX XXXX  XXXX XXXX ) immediately to notify the bank, they agreed that it looked fraudulent and immediately closed out that account and card. They gave me a new account number and new card. Months later I see XXXX XXXX XXXX on my credit report.
Consumer complaint received 2015-10-03
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc. (RI)

Advance America charged my bank account that was already closed after the date the loan was due. 
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. 
Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Byrider Franchising, LLC (GA)

A representative fraudulently took money out of my account without my authorization. I did not give permission to take my payment out nor was I set up on auto draft. I was not past due and when I pay I have to give my expiration date and XXXX XXXX along with my billing zip code. Also the amount taken out was manually entered because it was less than my normal bi weekly payment of {$190.00}. The amount taken was {$180.00} on XX/XX/2015. I was called several times that day and sent email from cnac. A customer that is current should not be harrassed like this. I call XX/XX/2015 and was placed on hold while a supervisor reviewed my account for XXXX minutes then hung up on. When I called back a was transferred to supervisor " XXXX '' whom used abusive collection tactics for a customer calling about fraudulent activities on an account. He would n't let me explain my concerns and was extremely unprofessional. He said I owed the payment which made me feel this is okay for CNAC to process my payments without my authorization and choose whatever dollar amount. Had he handled the call as a member of management would I would have not filed a complaint this. Furthermore " XXXX '' said he would refund my money but started to collect the money right back! Saying I am 3 days past due so I need to pay him. I do n't feel comfortable with my loan being with CNAC and representatives just take money out of my account just because they have access to it to obtain personal and company goals. I also advised the supervisor that I may have to file a CFPB complaint to amicably handle this matter and he said, " SO '' I can understand an error but this is someone fraudulently taking it upon themselves to run my payment. XXXX did n't seem to think this was a serious offense.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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!

Update the late payments from my consumer reports
Consumer complaint received 2015-10-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I am very frustrated in trying to get this problem resolved. XXXX ( division of PayPal? ) and XXXX XXXX are involved and have been no help and I need answers quickly. This problem involves a large fraudulent withdrawal from my XXXX XXXX account by/thru XXXX. There was an unauthorized withdrawal of {$2900.00} from my business account on XXXX/XXXX/2015. The company that took/transferred the money is XXXX. I even know where the money went and am being told by XXXX XXXX, that there is nothing they can do. XXXX XXXX went as far as to tell me that since I reported it beyond the 24 hour threshold, I forfeited my chance to dispute it. XXXX does not accept phone calls and will only communicate via emails. I want to be clear, I never had a XXXX account, I never purchased anything anywhere near this amount that I an trying to return. This is theft! Please help me.
Consumer complaint received 2015-07-27
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. (FL)

XXXX XXXX, 2015 I went into the Citibank location in XXXX XXXX XXXX, FL to wire {$3700.00} to XXXX XXXX bank in XXXX XXXX XXXX. I spoke with XXXX XXXX to complete the transaction and he also spoke with the Branch manager in XXXX to verify the account information for the wire and the XXXX Branch Manager told him to send the funds in US currency to the account. I have attached the documentation for the wire. I called XXXX XXXX in XXXX 2 days later and the wire had not been received. I called Citibank wire dept. and I was told they would open a case to trace the funds the case # XXXX. I called Citibank back and they told me they do n't see my money! Thy have escalated this case at least XXXX times and they still ca n't see or find my money. The Wire dept. at XXXX XXXX says they do not have the money and Citibank says they are waiting for the money from XXXX, who again says, they do not have the money. At this point, it 's 2 months later and Citibank has not returned my money and said they do n't know where my money is. Every time I call I 'm told the case will be escalated and still they do not know where my money is. I worked very hard for my money and this was a transfer to a lawyer for family land that I am in jeopardy of losing because of the incompetence of Citibank.
Consumer complaint received 2015-08-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Eastpoint Recovery Group, Inc (CA)

Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mediation Recovery Center (GA)

I received this notification and I have no idea who this company is. It states original creditor is XXXX. My last contact with XXXX was XX/XX/XXXX. I was receiving calls from an unknown caller and I blocked the number because of repeated calls. I received a message via voicemail and the caller stated that this call is for XXXX ( which is my name ). When stating his/her name and the name of the company the voice sound was muzzled and incomprehensible. I do n't owe this company and my attempt to notify them in writing ( with return receipt ) will be unsuccessful because they did n't provide me with a physical address - they provided a P.O. Box. Please help me if you can. Thank you in advance and I look forward to hearing from you. 

Sincerely,
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

Mortgage company requested confirmation of insurance. This were supplied multiple times without acknowledgement. We attempted to call multiple times without being able to access a person and without finding a solution in their electronic system. Mortgage provider is now charging us {$640.00} to provide us insurance despite the fact we have demonstrated proof of insurance. We have again faxed and called without result. We want to avoid an unnecessary charges and are looking for assistance.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2015-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To CFPB, I would like for you organization to start entire investigation on my case, the said complained XXXX XXXX XXXX. as Trustee for Merill Lynch first Franklin Financial Mortgage Corporation with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (NJ)

Hi. In the late XXXX of the year 2015, I received a letter from Nationwide Biweekly Administration , Inc. ( NBA ). They offered me a program called 'Interest Minimize '. I agreed to cooperate with NBA and process my mortgage payments thru them. There were XXXX ( XXXX ) electronic charges made by NBA from my checking account ( XXXX XXXX XXXX ) in XXXX and XXXX in the amount of {$1000.00} each. But, there is no money was transferred from NBA to my mortgage company called XXXX XXXX XXXX XXXX. My due date is XXXX/XXXX/2015. Please help! Please let me know which documents need to be provided.
Consumer complaint received 2015-10-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (CO)

I received a debt collection letter from LVNV Funding LLC on a XXXX XXXX Bank debt. I inquired about this debt, informing LVNV that it is not mine, I have never had a XXXX XXXX account and I received a letter in the mail saying the debt was bought out by Resurgent Capital Services. They claim the debt was opened in 2002 by myself with my current address, which tells me that they truly do not have a valid debt on me. When I called Resurgent to inform them that the debt was not mine and that it needs to be removed from my credit report, they said they 'd look into it and proceeded to send me another letter with the same information claiming I opened the account in 2002.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I signed up for Bank of America 's ( BoA ) free online checking XXXX years ago - {$0.00} fee checking account if I do not use the teller. Recently, without my consent, BoA automatically converted my account to a " Core '' account, which has a XXXX monthly maintenance fee associated with it. I only saw the change when I was reviewing my account statement, when the {$12.00} fee was automatically deducted from my balance. I was not aware of the change. BoA buried the change in one of their electronic notices, which they could not confirm that I received, much less read/understood. 

BoA 's policy preys on people who have low balance, and may not have the resources or understanding of their rights. If BoA no longer see that I 'm a profitable customer, it may be their right to cancel my account without my consent. But BoA does not have the right to charge me a fee without my consent and understanding. If banks are allow to do this, they can " bait and switch '' by signing customer up with attractive offer, and then change the policy without customer consent and knowledge to a high fee account. 

This case is different than low introductory APR credit cards in that, low introductory APR credit card disclose their rate hike after introductory period. In this case, BoA materially changed their policy without getting customer consent. BoA could have easily gotten the customer consent/understanding by displaying a simple message during an ATM transaction ( or other touchpoints ) and request customers to confirm understanding, or call their customers to notify.