davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with 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 60 days 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.

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 XXXX
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

This is the issue with my current student loan I have a balance close to {$25000.00} remaining on my loan its a federal student loan. I'm a former student at XXXX XXXX XXXX ( XXXX ) it was shut down because of fraud. Navient is the current provider of my student loan which is also facing litigation of charging students higher interest rates I believe my current loan of {$25000.00} should be forgiven because of of the two identities mentioned.
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

On XX/XX/19 I sent XXXX $ from my XXXX XXXX account to cash app for the purposes of buying and investing in bitcoin. When the price of bitcoin dropped i attempted to purchase it, only to find out that my account was closed. I tried withdrawing my money only for all banks and cards added to be rejected by cash app. 

I contacted cash app as soon as i was aware my account was closed ( XX/XX/19 ) and was rewarded with an automated response and no reasoning. I again tried to contact them on the same day with no response. 

I waited to see if my bank or card would be accepted at a later date however, to this day all attempts to withdrawal my personal funds are rejected. I again contacted support on XX/XX/19 on both email and PM on twitter, twitter returned with an automated response letting me know theyll look into it. I was emailed a few minutes later with a response that the decision to close my account was final and instructions to recover funds. I again attempted to follow these instructions only for my banks and cards to be rejected yet again. Essentially this locked XXXX $ into my account which cashapp refuses to return.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023, but I never received a response from them. The account must be validated to prevent errors in reporting my credit report. 

Please validate the listed accounts : XXXX XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

During the financial crisis of 2008 to protect our small business a cash withdrawal was made against my Bank of America Master Card. Since then payments have continuously been made. Bank of America explained that the payments are not made to the higher interest cash loan. All payments that were made went to the balance of the credit card while the higher interest rate cash loaned increased the amount owed. I have repeatedly contacted Bank of America to reduce the interest rate. They continue to decline my requests even though the balance of the past due amount has been paid off and the payments higher than the minimum due have been paid. Bank of America for years advised me that they review the accounts to reduce interest rates if there are no late payments and a substantial monthly payment has been made, all of which has been accomplished. 

My complaint is to have my interest rate reduced and any credits applied to my account if it is deemed that Bank of America has acted unfairly and has taken advantage of consumers during the financial crisis of 2008.
Consumer complaint received 2019-02-11
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: SYNCHRONY FINANCIAL (HI)

I am an ID Theft Victim and reported my consumer statement on XX/XX/2014 to advise the credit bureaus of my status and findings. The accounts below were part of this case however they continue to call me repeatedly and send me mail in an attempt to collect the debt. I advised this company of the situation however they persist in attempting to collect the debt and I am feeling harassed.
Consumer complaint received 2019-02-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tennessee Quick Cash, Inc. (TN)

started payday loan in XX/XX/2017 with tenn quick cash for XXXX credit limit paid on loan for over a year lost some income unable to pay XXXX every paycheck every time i paid it only put XXXX dollars toward payoff of loan now taking me to court saying interest etc evolved into a XXXX dollar settlement can not afford bankruptcy. i have a disbled son that i am solely responsible for. i have to pay food, homecare and medical for him i am uneligible for any assistance for him because of my income limit. if i am garnished we will be homeless, i tried to explain my hardship to these people and they refused lower payment. i have paid them over a XXXX dollars already for the past year.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

in XX/XX/XXXX, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down 200 points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.
Consumer complaint received 2019-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion credit report shows additional person with same name living at a different address in a different state. I requested that they correct this report. First request made on XX/XX/XXXX with confirmation email. Every time I go back to the website to check the status of this request it keeps getting pushed out. Next currently reported status update is XX/XX/XXXX. They aren't doing anything with this, they just keep rolling it over. they need to remove this other person who is listed on my credit report.
Consumer complaint received 2019-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CT)

We applied for two separate XXXX Mastercards for XXXX XXXX and XXXX XXXX. The MasterCard  promotion was offered through a link from the XXXX XXXX  website ( See Attachment A ). The credit card promotion consisted of a {$100.00} Statement credit ( see attachment A ) with an annotation to see the Terms and Conditions to receive the {$100.00} credit ( see Attachment B & C " NEW ACCOUNT OFFER ). XXXX XXXX applied for the card on XX/XX/19 via the XXXX XXXX  " Apply Now '' link ( also see Attachment A ) and received it on XX/XX/19. XXXX XXXX applied for the exact MasterCard onXX/XX/19 also using the XXXX XXXX " Apply Now '' link and his account was approved awaiting receipt of card.

XXXX  upon receiving and activating the card sent an E-mail to Barclays Bank ( the issuer of the card ) confirming the {$100.00} credit for each of our XXXX MasterCard Credit cards as we were preparing to buy tickets for a flight on XXXX.

We received two replies from Barclay 's Bank.The first onXX/XX/19 the second onXX/XX/19 informing us that we ( XXXX and XXXX ) were not going to receive the {$100.00} credit as " we did not apply for the XXXX XXXX Master card  '' ( See Attachment D & E ).

We contacted BARCLAY 'S Bank at XXXX and tried to resolve this issue. We conveyed to the Barclay 's Customer Service Representative that the link from XXXX XXXX for applying for the XXXX card ( promoting the {$100.00} statement credit ) automatically brings you to only one application process that being for the XXXX MasterCard. There was no other MasterCard offered except for the one we applied for and immediately approved for. The representative advised us that there was nothing that he could do reference the {$100.00} credit for each account.

We advised the Barclay 's Representative that we would consider filing a complaint with CFPB for the false and misleading MasterCard promotion.The Customer Service Representative indicated that Barclay 's would not credit our accounts for the aforementioned {$100.00} statement credit but we could earn miles if we spent at least {$1000.00} in the next 90 days. We advised him we would not have opened the XXXX Master card account if we didn't believe we were going to get the {$100.00} credit statement Following this conversation we did prematurely cancel XXXX XXXX MasterCard Account.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is the company and the way they conduct themselves is beyond comprehension ; Rude and unprofessional. They reported loan number as being late twice and that account number does not exist.
Consumer complaint received 2024-11-20
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is a hard inquiry on XX/XX/2018 from XXXX that states it is a airline/hotel credit card but I have not applied for anything. I have read several complaints on this " nonexisting '' company. Company information is as follows XXXX. XXXX XXXX XXXX, FLA XXXX XXXX
Consumer complaint received 2018-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NH)

On Sunday XX/XX/XXXX I shopped online at XXXX due to a sale ending that day. I added two mattresses and two box springs to my cart. Next to the box springs was an add showing 12 month financing available with credit approval ( see screenshot ). I clicked on that and was brought to an add showing " Open a XXXX XXXX Credit Card account & SAVE 20 % today & tomorrow up to a total of {$100.00}. '' Because my items were expensive this sounded like the best and most cost-effective way to purchase them and nothing about the adds made any exclusions about online shopping. 

I applied for and was immediately approved for a XXXX XXXX XXXX card with a {$1000.00} limit. I also saw the inquiry and card ping on my credit monitoring service. 

I proceeded to go to the cart to check out and use my new card and the transaction would not process. It showed an error and told me to call XXXX XXXX. I called and spent 55 minutes on the phone with five different  people. The first three tried to help and couldn't and put me through to other departments. The last two were in credit services : XXXX XXXX XXXX ID XXXX XXXX, in credit services told me that it's a glitch in their system that doesn't let people use the card until they receive it in the mail. I told her that is unacceptable as I opened the card solely to use for the XXXX purchase that day. She told me there was nothing she could do. I asked to speak to a supervisor. 

XXXX was the last person I spoke with, a credit supervisor and he let me know that due to a system error I couldn't use the credit card I just opened to make the purchase online, that I would have to try to go to a XXXX XXXX store before the end of the day. I explained that was not possible nor acceptable and that their details on the card state differently : " The new account discount ( the Discount ) is valid on merchandise purchases made at XXXX, XXXX XXXX and XXXX the day you are approved and the following day and charged on your new XXXX Credit Card account. '' ( also see screenshot ). 

I never would have opened a credit card had I not been able to use the card to make the online purchase. No where did it indicate that it would not work or that there was a " system glitch ''. Now my credit has been affected negatively, I was unable to purchase the items at the sale price, and I am left with a credit card account I don't want as XXXX XXXX customer service is horrible and I would NEVER make a purchase there based on this experience.
Consumer complaint received 2019-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MD)

I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.
Consumer complaint received 2019-07-03
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: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX Navy Federal keeps reporting a negative account on my credit that does not belong to me Ive reach out to them numerous times and still no action has taken place to remove it or delete it
Consumer complaint received 2018-12-20
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: MIDCOUNTRY FINANCIAL CORP (NJ)

Good morning, I am XXXX XXXX in the United States XXXX XXXX and have been for XXXX years. I am attempting to get a home loan. My two children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family.

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, XXXX and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
Consumer complaint received 2023-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (WA)

Barclay XXXX reissued a card because the 1st one was returned in mail. No change of address, just got sent back. Was told that card reissued on XX/XX/XXXX and account was closed XX/XX/XXXX. Never received a letter that is was going to close and no letter it was closed. No one can tell me why it was closed and proper protocol did not happen. Been a card holder more than 10 years, no late payments. Why would they resend a card out and then close the account 3 days later? Log onto my account on XX/XX/XXXX and that is how I found out that it was closed. Barclay said there is no way to reactivate the account as it has been 30 days. Received no letter on anything, now my credit is marked for an closed account and now tried to apply again and my application is under review. Get penalized as my account was closed, no one can tell me why and credit gets marked and application is under review. Makes no sense and Barclay should be held liable for randomly close someone's account and not following company procedure. Also my credit score is above 750, which is excellent. After talking to the supervisor as she verified my address, I receive an email saying that I had a change of address. I called and was told that there was no submittal form on my profile requesting a change of address, so this supervisor lied and had an email send for a request for change of address. Sounds like a lot of improper information and Non truthfull statements from Barclay
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I was denied a credit card by wells fargo and everytime I ask WHY I get a different answer. 1st, they said it was because my account with them was closed and it wasn't, 2nd they told me I hadn't had the account long enough, 3rd they offered me the card then denied me and when I asked why they couldn't tell me. I also have an account with them and have not been able to get a replacement debit card for the one that was compromised. They stated they mailed off at least 5 different cards and I have gotten none of them. They said they would let me speak to an executive to resolve the matter, turns out she wasnt an executive but a call center supervisor that couldn't give an explanation as to why I was denied either. So I called back today ( XX/XX/2019 ) and spoke to some one again and told them that I spoke to an executive the day before and now they are telling me they have no record of that, I reminded them that these calls are recorded and If there is no record of that conversation that means they ( Wells Fargo ) lied when they said they were sending me to an executive that could help me. If you cant tell me WHY I was denied the credit card and go through such lengths to lie the only reason I can figure out as to why I was denied is because I am XXXX. I also confronted them with other poignant questions and I informed them that Im an XXXX XXXX and that also seemed to make them treat me even worse.