davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within XXXX XXXX XXXX pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance : {$570.00}
Consumer complaint received 2019-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

The company is charging an excess of 600 % APR for {$400.00}. I now owe over {$600.00}. As such, I am unable to pay of the loan. I have notified the company of the Florida statutes. They alluded to Federal law, but they could not cite the statutes that show that the loan is not able to addressed under the Florida courts. They have sent me misleading information, which was revealed to be half-truths when I read the CFR and XXXX regulating the matter. I believe that legal error happened and that they are attempting to take advantage of a permanently and total XXXX veteran on a fixed income. As such, I am requesting that CFPB and FTC investigate this matter.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NY)

This bank treats me horrible I recently lost my wallet and reported my 2 credit cards as lost stolen and their was fraud charges I was billed they said I wont be liable until recently they mail me letters and are extremely rude threat to close my accounts this is not fair very rude and they wont initiate a claim to refund me the charges they promised me would they denied my claim claiming I had the card In my posesion when this was reported immediately to them
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a bankruptcy public record that is reporting to my credit report that belongs to someone else with a similar name. I called then visited the courthouse but they could not locate the file in my name with a matching Social Security Number. I contacted the creditors and credit bureaus to remove the bankruptcy along with the accounts relating to the public record. The creditors have removed the accounts off two of my credit bureau reports so far, but the actual bankruptcy still remains on my credit reports despite the removal of the associated accounts. Please help me remove this blemish on my report because it not accurate.
Consumer complaint received 2019-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a secured credit card with {$500.00} in XX/XX/XXXX with XXXX. The card changed ownership to Capital One in XXXX. I closed the card today and asked for my {$500.00} back, and Capital One said their records say it was always an unsecured credit card and that I never paid {$500.00} to open it. They're the ones that provided that XX/XX/XXXX date, so I went to my XXXX XXXX XXXX account to get my statement from that date, and they told me they only keep records for 7 years! So i apparently just lost {$500.00} ( or more accurately, a bank stole it from me! ).
Consumer complaint received 2019-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MD)

Requested collection removed from credit reports ( XXXX, XXXX and XXXX ) was not aware of outstanding balance to the medical providers ( XXXX ). Medical fees were paid in full to XXXX in the amount of XXXX on XXXX XX/XX/2019 via XXXX online payment site. Request to have reported collection removed from all credit reporting agencies.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

At XXXX XXXX on Friday, XX/XX/2019, I received a call from my lender, XXXX XXXX , XXXX at ( XXXX ) XXXX. They wanted to discuss possible ways to reduce my mortgage payments and save me some money. I told them I might be interested. They asked for information on where I work and how much I make. They ask how I've been paying my credit card payments. They said they would get back to me, and they never called back with any further information. 

They NEVER asked me to do a credit pull, never told me about such a thing, never asked me about refinancing or whatever options they have to save me money. They said they would call me back. 

Next thing I know, I get an experian notification saying there was a change to my credit file. I logged in, and there was a hard credit inquiry by XXXX XXXX. I NEVER gave them permission to do a hard credit inquiry, and they NEVER asked me for permission. I feel this is fraud or theft, as I know the results of a hard inquiry.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MD)

An individual stole checks from my check book, forged my signature and cashed two checks for {$250.00} ( {$500.00} total ). 

I went through the US Bank Fraud claim process, and my claim was denied due to their assertion that I failed to secure my check book properly and was therefore liable. 

The forged checks were dated in XXXX but were cashed. In XXXX of the same year. The signature on the check is clearly not my own. It is clear that US Bank did not take ordinary care to ensure the checks were genuine.
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (IL)

BACK IN 2018, I WAS CONTACTED BY XXXX XXXX REGARDING A DEBT OWED TO ANOTHER CREDITOR, THE DEBT HAS BEEN PAID, YET THE COLLECTION COMPANY IS TILL APPEARING ON MY CREDIT FILES AS A NEGATIVE IMPACT.
Consumer complaint received 2019-12-28
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: EQUIFAX, INC. (NY)

Additional information ; I was recently denied employment I'm assuming because of my credit report and credit score. After investigation- accounts is still being reported inaccurately on my Equifax credit report. In XXXX of 2019 ( Equifax ) has initiated an investigation on the following Accounts ; however, the current report reflects absolutely no changes ( A violations ) ( Please see attachment for further details ) ( XXXX XXXX XXXX ) - account balance is inaccurate & unverifiable. First date of delinquency is not reported. A violation ( XXXX XXXX XXXXXXXX XXXX ) - reaged account, account does not reports ( first date of delinquency ) A violation ( XXXXXXXX XXXX XXXX ) account does not report last date of payment or first date of delinquency. A violation
Consumer complaint received 2022-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX I have sent XXXX $ from my bank of America saving account ( account number : XXXX ) to my XXXX XXXX account ( account number : XXXX ) thru XXXX ( with registered number XXXX to registered email XXXX ), the day after in XXXX this action was complete, and posted, but I have not received this amount of money in my XXXX XXXX account. I am sure something wrong has happened to this transaction.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account 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 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!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-21
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. (VA)

In accordance with The Fair credit report act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Experian.

Child support enforcement agency. 
Account number XXXX. 
I have looked at my credit report on XXXX 2024 and have noticed some things are incomplete and inaccurate, 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 said individuals about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681i5, they are supposed to do this treatment of inaccurate or unverifiable information.

In general if after any investigations under paragraph one of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) probably 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. 
( ii ) They shall promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In accordance to 15 USC 1681 5-2 you are not supposed to 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. 
In conclusion I will be seeking litigation for defamation of character against your agency for multiple violations of the fair credit report, if these incorrect damaging reports aren't deleted from my credit report immediately.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (OH)

Between 2007 and present day, I have paid my student loan payments. As a XXXX in a XXXX school in Ohio for the past 13 years, I expected to now qualify for loan forgiveness. I have come to learn that I was LIED to for years about having been " on track '' for student loan forgiveness from the various servicers on my account. It is beyond disgusting that the federal government would permit these companies to provide deliberately misleading practices and information that would harm public service workers and cause them to encounter denial for forgiveness. It is no wonder the denial rate is 99 %. These predatory companies KNEW that they could get away with ripping us off for years since it wasn't until the 10 year mark that their deliberately deceptive practices would be discovered. Please do something to help!!!
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Cancellation Debt Discharged per IRS 1099-C in XXXX XXXX ID XXXX States this debt charged off sold to debt collector I have Notified USAA XXXX XXXX XXXX they still try to collect this debt
Consumer complaint received 2019-10-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On the morning of XX/XX/XXXX, XXXX XXXX. I deposited a check for {$5800.00} and was told that I would have a hold placed on all but {$200.00} of this. That initial {$200.00} would be available immediately, but no later than the next business day. I received the paper that states why the hold was on there. It seemed fine. I go about, getting my bills paid. Suddenly, Im overdrawn the morning of the XXXX. I called and asked why theyd not given me the {$200.00} I was told. They said no reason. They extended the hold to the XX/XX/XXXX without a hold notice. Their paperwork I have shows that the {$4800.00} was to be released on the XXXX at XXXX. And the remaining {$860.00} would be released the XXXX at XXXX. However, they took out ALL of my funds and sent me into an overdraft. I am now paying late fees and double payments for every one of my bills because Bank of America had lied to me, and withheld my money ; now violating Article 12. Their {$5000.00} rule was invoked ; however, the additional rules state that that first {$200.00} must be made available within no later than the first business date, and the excess of that XXXX was allowed to be held until they confirm the check can be cashed. However, that was not the case. Three phone calls and Ive been lied to. One agent telling me that the {$200.00} would be available XXXX Friday morning. It was not. I am now paying a double phone bill that will soon be shut off because BofA has done this. The second phone call I made : I was not given a reason for the extended hold, and the redaction of MY money whatsoever. No notice of hold. I am now being spammed with email after email demanding I deposit cash into my account to cover the overdraft.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

Ive discovered mistakes on my credit report regarding 15 USC 1681c-2. The inquiries mentioned were not authorized by me and are negatively impacting my credit score. Kindly remove these unauthorized hard inquiries. Thank you.
Consumer complaint received 2019-10-18
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. (FL)

PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX XXXX XXXX ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.
Consumer complaint received 2019-12-27
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: ID Analytics, Inc. (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2019-10-18
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. (FL)

PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX  XXXX XXXX  ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.
Consumer complaint received 2019-12-27
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: Innovis (GA)

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Consumer complaint received 2024-10-21
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. (GA)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please update this account to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMT Solutions, LLC. (WA)

I've received approximately 30 calls from the debt collector over the past several weeks ( Starting around XXXX and proceeding through today, XX/XX/18 ). On the first call I was clear with them that I'd paid the debt already with XXXX XXXX XXXX ( XXXX ) and that I had a XXXX balance with them. From there, I verified with XXXX, online and by calling, and was informed that my account was closed and paid. I informed the collection agency pmt-solutions of this on several other occasions and asked them to stop calling. 

They continued calling using an auto dialer. If I answered, I'd usually get the tail end of a message reading off the last few digits of a phone number or I'd be prompted to press 1 and then be disconnected immediately. In cases which my voicemail picked up, only the last 3 numbers of their phone number ( presumably ) " 800 '' were left and no other message. In a few cases, someone answered and I explained to them there was no debt and directed them not to ever call. To contact be via usps if necessary. I've provided them proof from XXXX from the online account, they informed me that the online account might not reflect everything. I explained to them that I verified through the companies customer service over the phone, they told me they can't accept that either. I asked them to reach out to XXXX directly and they said they aren't willing to do so. 

I do not know what to do, I've sent them info and provided it over the phone.