davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

This complaint is in regards to the companys deceptive AutoPay practices. Despite all monthly statements and the account dashboard showing that AutoPay is turned on, they never process the payments, resulting in late payments and extra accrued interest. 

Details : In XX/XX/XXXX this year, an AutoPay payment was returned for insufficient funds. The company notified me with a note saying " Please note, your Auto Pay has not been cancelled at this time and we will attempt to draft your next payment. If you Auto Pay is cancelled as a result of XXXX consecutive failed attempts, you will receive a separate notice. '' In XXXX, no AutoPay payments were processed, and as a result I received a late payments notice. I made the overdue payments on XX/XX/XXXX for the past due amounts, thinking that the regular monthly payment of {$280.00} would be processed via AutoPay as indicated by my account statement saying " XXXX Auto Pay {$280.00} on XX/XX/XXXX ''. 

In XXXX, upon logging into my account I find that my account was overdue by a few months and that no AutoPay payments were made in months that had passed. I made the overdue payments manually on XX/XX/XXXX then emailed customer service about why my AutoPay payments were not getting processed. I receive a response back saying Our records indicate that your auto pay was paused due to your XXXX payment being returned for insufficient funds. Please bring your past due balance current for auto pay to resume. ( Note the misinformation here : The insufficient funds incident occurred in XXXX, with no records in my account that a new incident had occurred in XXXX. ) A week later, I noticed that the AutoPay payment which was scheduled for XX/XX/XXXX also didnt go through, so I manually made the payment on XX/XX/XXXX. At this point, my account should have been current, and trusting what the customer service personnel had written, I expected the next AutoPay payment to be made on XX/XX/XXXX. 

Upon logging into my account next time on XX/XX/XXXX, I noticed that yet again, no AutoPay payments had been made since the last round of communications with the customer service personnel. I make the overdue payments again manually. 

Note that from XXXX till now, in both my monthly statements and my account dashboard, the AutoPay function was shown as active, yet in none of the months was it actually processed. This deceptive practice has resulted in multiple overdue payments and excessive interest charges.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-27
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. (OH)

Transunion I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to get Transunion to correct my personal consumer report but they refuses and continues to furnish inaccurate and unverified information on my consumer report and file. I am in the process of taking control and securing my personal and private information. This massive data breach has exposed my information and I am very concerned with inaccuracies on my report. Please address this matter. Attached is a notices for demand Transunion to remove all items within attached notice.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (LA)

I contacted Equifax in XXXX in an effort to have them verify the information reporting on an account. The account was XXXX XXXXXXXX XXXX  XXXX XXXX, account number ending in XXXX. Instead of only looking into that account, Equifax opened a dispute on every single XXXX XXXX account that I have, which also included accounts ending in XXXX and XXXX ; these XXXX accounts are NOT adverse and should have never been disputed. I did not know the company did this until I pulled a recent copy of my report and saw that Equifax had been adding a statement, every month, every year, notating that the accounts were previously in dispute. Again, those accounts should have never been disputed by Equifax. I contacted Equifax by phone on XX/XX/XXXX to inform them of the statements they are reporting and my request to have them removed, and the rep assured me that the statements would stop and would be deleted from my credit report. I pulled my account today and notice that all of the statements are still on my report. The statements read, " Account previously in dispute now resolved by data furnisher. '' Equifax did not do what they said they would and delete these statement from ALL of my XXXX XXXX accounts. I do not want the possibility of having my accounts closed by XXXX  XXXX if that see that I'm disputing open and valid accounts, because I'm not disputing those accounts, Equifax messed up and has not fixed their error. I want all of the dispute remarks deleted from my credit report, remarks dating back years ago.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Hi I called XXXX  XXXX to order XXXX  currency that I wanted to pick up the next day. They asked for {$200.00} deposit before I can order the currency, so I gave them my credit card info on the phone. My credit card is Barclays Aviator Master Card. On XX/XX/year> a cash advanced for {$200.00} appeared on my credit card. Today I found out that the XXXX  XXXX was able to get into my cash advanced and withdraw {$200.00}! The cash advanced that I never used and never asked for it, it was somehow given to me! 
When I asked the customer service of Aviator Master Card how where they able to take money out of my cash advanced, they informed me that they were able to do the withdraw transaction via wire transfer. I asked them how were they able to take money from my account using wire transfer they could not answer me. then I asked them if I can just pay the {$200.00} to avoid about {$4.00} interest charge every month, they said : " you have to pay your whole balance, you can not just pay the {$200.00}. '' How can Aviator Master Card Allow another company take money out of my cash advanced? 
Also why I can not just pay that portion of my cash advanced? 
Please Help me out! 
Thank You so much!
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (CA)

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 XXXXXXXX XXXX **Experian** XXXXXXXX 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 **Subject : Request for Verification/Correction of XXXX XXXXXXXX Statement on Credit Report** Dear Sir/Madam, I am writing to request verification and correction regarding a XXXX XXXX  Statement that should be reflected on the credit report for **XXXX XXXX XXXX XXXX** The XXXX-1 XXXX  Statement was filed on XXXX XXXX, XXXX, with the XXXX XXXX XXXX XXXX under filing number XXXX XXXX 

Attached are copies of the XXXX XXXX XXXX and subsequent filings, including : - The initial lien financing statement filed on XXXX XXXX, XXXX. 
- XXXX restated collateral filings on XXXX XXXX, XXXX ( File Number : XXXX ) and **XXXX  XXXX, XXXX ( File Number : XXXX ). 
- A termination filed on XXXX XXXX, XXXX ( File Number : XXXX ). 
- An add collateral filing on XXXX XXXX, XXXX ( File Number : XXXX ). 

This security interest covers **all applicable collateral** as described in the attached filings and should be accurately reported on the debtors credit profile. Currently, it appears that this XXXX filing is not reflected on the credit report, and I request that you verify and update the report accordingly. 

Please confirm once the correction has been made. If additional information is required, feel free to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, ** [ XXXX XXXX XXXX XXXX ] **
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over 60 days later I have not received a response ye. I feel like I'm being taken advantage of and being ignored of my disputes, section 611 ( a ) is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-08-19
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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'm sending this complaint to inform AGAIN the XXXX XXXX that I was a victim of Identity Theft. It seems the XXXX XXXX doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-08-19
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (AZ)

I've had several issues with this bank. The first one was regarding my debit card when on vacation. I was in XXXX, and after a few days there my card got locked out. I was able to call and have it unlocked. At that time, I told them I was on vacation. A few days later, my card was locked out again. I tried calling the same number I called the first time. They told me they were unable to unlock my card, and I needed to call their main customer service line. It was only XXXX on the XXXX  coast XXXX but apparently they close at XXXX on the XXXX  coast XXXX I had to spend the night without any access to my funds. I was unable to pay for dinner, or anything that we had planned that night. This was the night of XX/XX/XXXX. When I called the next day, I was told that my card was locked out due to not notifying them off my travel plans, even though I told them the first time I called and unlocked my card My second and biggest issue is the predatory sales practice. I never received my paperwork from opening my account. I was also told that I would receive a {$500.00} Welcome Bonus for having a {$500.00} direct deposit within 60 days of account opening, which I met. On XX/XX/XXXX, I called their customer service line. The person I talked to said I should be getting my bonus " any day now '' because the bonus usually gets sent 90 days after the account opening, and it was going on almost XXXX  months since I opened the account I asked what the requirements were, and she had said that it was an " in branch '' offer, so she was unsure what the requirements were. She said I'd need to contact the branch to get the qualifications. I explained I did not want to contact the branch, because I had an unpleasant experience when opening the account. She then offered to call the branch on my behalf, but unfortunately they were not open yet. 

I called back on XX/XX/XXXX to get information on the bonus again. This time, the last I talked to was somehow able to give me the bonus information. She said that it was a {$250.00} bonus and that I had to maintain a {$500.00} balance, which was very different then what I was told by the branch. I started questioning her, because I felt like every time I talked to someone, I was getting different information. 

She told me that she'd put in a ticket to investigate the qualifications of the bonus. She said it would take XXXX days to investigate, and that I'd have a response back through email. To this day, I have not heard anything back.
Consumer complaint received 2024-08-19
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. (FL)

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 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 block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts XXXX {$190.00} XX/XX/XXXX, XXXX {$5500.00} XX/XX/XXXX, XXXX {$760.00} XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX Fradulent Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-18
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-29
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. (NJ)

I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX, I currently live at XXXX XXXX XXXX XXXX NJ XXXX, My only Phone number is ( XXXX ) XXXX.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (MS)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-18
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)

I am writing to formally request the removal of unauthorized hard inquiries from my credit report. 
After reviewing my credit report, I noticed several hard inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score and are a matter of great concern. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under specific circumstances, such as in response to a court order or with the consumers written permission. As I did not provide authorization for these inquiries, they are in violation of the FCRA. 
The unauthorized hard inquiries I am disputing and requesting to have removed are as follows : 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 I request that you investigate these inquiries and provide written confirmation that they have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes. 
Enclosed with this letter, you will find copies of my identification and a copy of my credit report with the disputed inquiries highlighted for your reference. 
Thank you for your prompt attention to this matter. Please contact me if you require any further information or documentation. 
Sincerely
Consumer complaint received 2024-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC (OR)

We were notified that our mortgage was going to now going to be going through Flagstar back in XXXX. I had just asked to be put in forbearance with my previous servicer, XXXX XXXX. When I told this to the first person from Flagstar she told me that all that information should be sent over to them within the next few weeks and as new customers with Flagstar we would automatically go through a reevaluation process for a new rate. Now the forbearance period is over and Ive tried to contact them multiple times to figure out what our new rate will be or how to lower or previous rate. Every time I call no one seems to be able to tell me anything and tells me I will get a call back. Then I go weeks and still hear nothing. This is causing an immense amount of stress because I dont know whats going on with the status of my home.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

I called Sams Club multiple times in the last 18 months and have requested to be removed as an authorized user. The account holder has also called to have me removed from account and when we call Sams Club States i have been removed but the account still shows on my credit reports.