davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Credit Service, Inc. (NJ)

ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.
Consumer complaint received 2015-12-07
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Paypal Holdings, Inc (CA)

Hello, I am writing to make a complain against Paypal XXXX and XXXX XXXX XXXX XXXX which dealying adding money to my account and holding the money for a week without any progress ( PayPal Ticket # XXXX ). 

On XXXX ( Mon ), I bought XXXX PayPal cash card ( each with {$500.00} XXXX and tried to load into my PayPal account. The loading failed with " my cash card error code = XXXX ''. I retried several time and all failed with the same error. Then I called customer service in the evening and a ticket ( # XXXX ) was created. As requested, I emailed them immediately after the phone call the pictures of my driver license, front and back of the receipts and PayPal cash cards. I was told it somebody should contact me in XXXX hours XXXX 3 business days XXXX. 

But nobody contacted me since then. On XXXX ( Thu ), I called back and was told they received my documents on XXXX XXXX, I should wait for another day. On XXXX ( Fri XXXX, I called again and was told no updates, I need to wait for another day. I wait and called again on XXXX XXXX Sat XXXX, still no news, have to wait. I then called again today ( XXXX Mon ). Still no update, suggest me to call back again tomorrow. 

One week passed, many phone calls, wasted so much time and still no updates. I do n't think it is right to hold the money for indefinite period of time. I have no other choice but to write this complain and hope the issue can be solved ASAP. Thank you! 

Best Regards, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank 's payment scheduling system changes the customer 's chosen payment posting date if any part of the payment detail is changed. I have noticed an issue where Synchrony Bank credit accounts change a payment scheduled date ( chosen by customer ) to the payment due date, if the payment amount is edited. 

Example : Amazon Store credit : {$94.00} due by XXXX/XXXX/15. 
Initially chose to pay minimum {$96.00} on XXXX ( date funds available and date scheduled ). 
Advanced to confirmation page, but decided to increase payment amount slightly. 
When clicked " edit payment '' button, reverted to payment page, {$96.00} selected payment amount still selected ( not changed to minimum due ), but payment DATE ( posting date ) reverted from XXXX/XXXX/15 initially SELECTED to DUE date of XXXX. 

Edited amount to {$100.00}, did n't catch ( as I have many, MANY other times ) that the date changed to XXXX XXXX due date ). 

Did not realize the date changed until checking my bank account that all payments scheduled for XXXX had cleared and noticed the payment that I thought to my Amazon account had not yet posted. 

While likely quite small per individual customer, this issue potentially allows Synchrony Bank to charge/earn significantly more interest ( illegitimately ) across their portfolio because the customer 's average daily balance is higher due to the payment posting later in the month. 

A later posting date results in a higher average daily balance, and therefore interest charge, for each customer affected. 

A mere {$.00} additional interest for XXXX account holders results in a additional {$50000.00} increase in interest earnings for the company. XXXX customers at {$0.00} each = {$250000.00} additional income that is earned through a system with a significant flaw ( if not intentional process ).
Consumer complaint received 2015-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (CT)

On XXXX XXXX We sent Statebridge Company {$1500.00} in certified funds. We sent the payment XXXX and Statebridge received and signed for the funds on XXXX XXXX at XXXX. On XXXX XXXX, 2015 i contacted Statebridge via a phone call. The customer represenative said they did not receive payment and have no record of any payment. The representative said she refused to speak with me unless I rescinded a Cease and Desist order they received XXXX XXXX I faxed them a letter on XXXX XXXX, 2015 rescinding the Cease and Desist Order. I called Statebridge again on XXXX XXXX, 2015 and the representative indicated they did receive the rescinded a Cease and Desist Order. The representative once again denied receiving the payment. I reminded her that The Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. 
We have been charged additional interest on our account because of Statebridges violation of the CFPB rules by not crediting the consumers account
Consumer complaint received 2024-09-05
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. (CA)

To whom it may concern, I am a victim of identity theft, and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. The fraudulent accounts appearing on my credit report are XXXX BANK, XXXX XXXX XXXX and XXXX BANK XXXX XXXX. 
I contacted Transunion to have the fraudulent information, but they completely neglected to act. 
My online Transunion account does not even work properly ; I can not check or submit a new dispute. I get an error message from Transunion every time ( Picture attached ). I tried to resolve it over the phone but a customer service representative who could not speak proper XXXX and her child was crying in the background ( XXXX/ From home representative ) falsely claimed that the issue has been resolved. Transunion has immense power to influence millions of American lives, yet they do not seem to care about doing their work properly or honoring the law, The Fair Credit Reporting Act more specifically in this case. 
XXXX and XXXX already removed the fraudulent accounts, but Transunion failed to do so. Negligence from Transunion is hurting my life and bringing hardship to it, Transunion is in clear violation of section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act and remove/block this fraudulent information from my credit file that resulted from Criminal Identity theft. 
I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow on the Transunion Report ), proof of Transunion online account error and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2015-03-24
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Creditors, Inc. (TN)

Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.
Consumer complaint received 2024-09-05
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. (CA)

To whom it may concern, I am a victim of identity theft, and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please have Transunion remove this information at the earliest possible time. The fraudulent accounts appearing on my credit report are XXXX BANK, XXXX XXXX XXXX  and XXXX BANK XXXX XXXX. 
I contacted Transunion to have the fraudulent information, but they completely neglected to act. 
My online Transunion account does not even work properly ; I can not check or submit a new dispute. I get an error message from Transunion every time ( Picture attached ). I tried to resolve it over the phone but a customer service representative who could not speak proper XXXX and her child was crying in the background ( XXXX/ From home representative ) falsely claimed that the issue has been resolved. Transunion has immense power to influence millions of American lives, yet they do not seem to care about doing their work properly or honoring the law, The Fair Credit Reporting Act more specifically in this case. 
XXXX and XXXX already removed the fraudulent accounts, but Transunion failed to do so. Negligence from Transunion is hurting my life and bringing hardship to it, Transunion is in clear violation of section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act and remove/block this fraudulent information from my credit file that resulted from Criminal Identity theft. 
I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow on the Transunion Report ), proof of Transunion online account error and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. 

Sincerely yours, XXXX XXXX
Consumer complaint received 2024-09-05
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2015-08-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Norwich Commercial Group, Inc. (FL)

I had provided a lender, Norcom Mortgage, with our personal information/data to obtain pre-approval on a mortgage. XXXX of their loan officers attempted to e-mail myself and my husband a copy of our credit report, however, she sent it to a wrong e-mail address instead of my husband 's correct address. Our privacy has been violated in accordance with their privacy policy as our personal data and private information in violation of our consumer privacy as our complete Social Security Numbers and Date of Births are both out there somewhere. The loan officers negligence has caused a privacy breach for us and we are now at an increased risk for identity theft. I contacted their CEO on the same date and he has not responded to me. This is a severe violation of our privacy and we are asking them for a resolution to this.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FC HoldCo LLC (FL)

I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me. 
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.
Consumer complaint received 2015-12-04
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NY)

Transworld Systems inc bought out XXXX. through XXXX I did the loan rehabilitation program. They did not follow throgh on their legal agreement. Now they are refusing to send me in writing the original application and terms and agreement of the loan. The ombudsement group is useless. Who is going to make these people reaponsible? You already let them get away scott free for calling my job and trying to collect on the debt which is illegal. Now they are refusing to provide XXXX with documentation about the loan rehabilitation program.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC. (AZ)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Ally Financial bal. {$12000.00}
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

A review of my morgage account activity was conducted on XX/XX/XXXX. It was discovered that {$230.00} has been paid from my escrow account as XX/XX/XXXX and XX/XX/XXXX monthly private mortgage insurance premium. Upon verifying loan documents provided at settlement signed XX/XX/XXXX ; monthly PMI premiums should be {$51.00}. PNC Mortgage has not provided any form or correspondence explaining the PMI monthly premium change and has repeatedly declined to discuss this issue with me. THIS IS NOT A DUPLICATE OF CFPB CASE # XXXX. THIS IS A DIFFERENT ISSUE REGARDING A DIFFERENT LOAN NUMBER.
Consumer complaint received 2024-10-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NY)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : ALLY FINANCIAL XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-05
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. (NY)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. XXXX XXXX XXXX Account number XXXX I looked at my XXXX report a few days ago, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting act 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 15 USC 1681 ( e ) ( b ).

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Pursuant to the Fair Debt Collection Practices Ac
t, 15 USC 1692g validation is requested from XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-12-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (CA)

I had applied for a line of credit with PayPal Smart Connect, my credit limit was for XXXX XXXX dollars. I made a small purchase for XXXX dollars to a charity organization. Upon receiving my XXXX statement dated XXXX/XXXX/2011 in the amount of {$21.00} due on XXXX/XXXX/2011. I purchased a money order in the amount that was due dated XXXX/XXXX/2011. I mailed out the payment in time to meet the payment due date of XXXX/XXXX/2011. I never made any other purchase on account and contacted papal to dispute the late charges that was showing up on my new statement. I could get a clear understanding as to why I was being charged additional late fees and interest along with other charges. Therefore I requested that my account be closed only to have my account charged off and sent to collection and reported on my credit report. over the course of the years I have tried to contact PayPal regarding this matter and disputed with my credit bureau only to come back with no resolution. I final was able to locate the receipt of payment and the billing statement to support my claim and have launched another complaint this time with CFPB. I would like to have the negative information removed and for my credit report to reflect that my account has always been in good standing.
Consumer complaint received 2024-09-05
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.