davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/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.

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!
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (NY)

My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XXXX and XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed. 
I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.
Consumer complaint received 2018-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by Kohl's/Cap One of a fraudulent account established with her information without her consent. An official dispute of this account was mailed to Kohl 's XX/XX/2018 ; as of this date Kohls has failed to reply to the status of this dispute which they are obligated under federal law to do.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have opted out of overdraft protection to avoid account being charged the {$35.00} fee. On XX/XX/XXXX an item " XXXX '' was charged {$14.00} over drew the account and on the same day a {$35.00} fee was charged. The next day, XX/XX/XXXX I deposited {$15.00} to cover the charge, however because they had charged the {$35.00} a second charge of {$9.00} " XXXX XXXX '' went through and bounced due to the first {$35.00} fee being charged. So as a result I have two {$35.00} charges occuring due to a chain reaction, one causing the other. 
I also was not provided sufficient time to correct the deficiency, nor did the " Opt Out '' work. These charges are supposed to not go through, they were set up with my Debit Card information, no other information was used to set these charges up so when charges come across and there is insufficient funds they are supposed to be refused. 
Bank of America credited me the second overdraft fee of {$35.00} but refused to credit the first.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma (NJ)

Upon my first time ever checking my credit back in XX/XX/XXXX, I noticed that there had been a hard inquiry on my credit, -now-removed- that I did not make, nor did I authorize. I had also noticed, that there was, and is currently an address on my credit report that I have never been associated with, and do not know of. 
Additionally, my birth date does not show up on my credit report. 
None of this could have possibly been me, as I was only XXXX years old at the time, and had never checked my credit, or applied for loans or credit cards of any type before. The reason that I had not reported this situation at the time of noticing the issue is that I was was not aware that it could be potential fraud, and had no further advisement as far as credit goes. 

Upon re-checking my credit in XX/XX/XXXX, now with more knowledge, I realized that there was still an incorrect address, no birth date, and that the hard inquiry had been removed from my credit report. However, I'd still like to dispute this and solve these issues. 

All in all, I've had an unauthorized hard inquiry, and still have an incorrect address, as well as a missing birth date for myself.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America and XXXX discreminating against law abidding gun owners and fire arm companies. These are public companies that should not be getting into social issues. What happens when they do not want to business with someone of color or the wrong political party? Where does this end? I would hate to see us move backward in banks treating everyone equally.
Consumer complaint received 2018-04-30
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: EQUIFAX, INC. (FL)

I submitted a letter to XXXX  XX/XX/XXXX, in which they show received XX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called on XX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.
Consumer complaint received 2018-05-02
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. (IN)

On XXXX XXXX, XXXX I sent certified mail to XXXX and Equifax credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?
Consumer complaint received 2018-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

I have a account through Paypal and they have held XXXX dollars of my money for over a week. It was a payroll check from my employer for the first two days I called once a day and they said it was a issue on there system. from the third day on I called five times a day and finally got them to show it in my account and walk through the transfer to my bank account and now they are holding it pending and first I was told one day then five days or whenever its free its free yet my bank show no transfer or pending transfer and I keep getting excuses and being told that I will get a call back yet never due. That is my payroll money and I use it to provide for my family and I asked them to cancel the transfer and make it available so that I could get my money another way and they refuse.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MI)

My name on the account is XXXX XXXX XXXX and I am trying to cancel my Experian account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks up. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint Mortgage is acting in bad faith on a real estate transaction, being criminally negligent regarding a financial matter and illegally inflating property values for the purposes of acting as a foreclosure mill and deny borrower legal right to avoid foreclosure as afforded by CA Homeowner Bill of Rights On XX/XX/XXXX Shellpoint Mortgage advised that their property value on this short sale request came in at XXXX. This value request was based on an agent they hired who is not a XXXX, did not do a property inspection nor did they research the property prior to visiting the home to check if there were any issues with the city against the home which in fact due to the age of the property there are. 

On XX/XX/XXXX we provided Shellpoint mortgage with the reasons why the property is not worth XXXX which mainly are as outlined below : 1. Major repairs needed as outlined on attached property inspection reports which impair the functionality of the home and must be fixed.

2. Docs from the city requiring work to be performed on the property due to the age of the home. Mainly the fact that the entire sewer system must be replaced due to city regs.

3. Foundation issues on the property as evidenced by reports and pictures. 
These are major issues which must be addressed and taken into consideration when considering value. A value dispute is SUPPOSED to review these issues. However Shellpoint DID NOT REVIEW any of the city docs nor did they review the property inspection report due to GROSS NEGLIGENCE and CRIMINAL NEGLECT when establishing property value. Instead the INCOMPETENT personnel that did the value dispute ONLY reviewed comps which were NEVER the issue. The issue is and has been the major damage and CITY required REPLACEMENTS which GREATLY IMPACT the value.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (FL)

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
Consumer complaint received 2018-04-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NH)

Attempting to find out information on Citibank and XXXX XXXX XXXX 's policies on loaning firearms manufacturers funds for business continuity. If these institutions are following thinly-veiled threats from anti-Constitutional politicians, how do we proceed to protect ourselves from abuse?
Consumer complaint received 2024-08-28
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. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2018-05-02
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 — Was not notified of investigation status or results
Company: Diversified Adjustment Service, Inc. (TX)

After looking over my credit report I noticed there was an account on my report that I have never seen before. It is a collections account that was put on my credit report without proper notice from the CRA or the collections agency. If I'm not mistaken by law I am supposed to receive a notice before an account is put on my credit report. I demand that the account be verified with a contract and written signature or removed from my credit file.
Consumer complaint received 2024-10-14
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. (MO)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-03-11
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: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

This is my third attempt to have Fifth Third Bank prove that I was in the bank when a teller showed my husband the details of MY account which they never should have since he was not on the account. They claim I was in the bank with him at the time which I was NOT. I was at home recovering from XXXX. How can this case continue to be closed when they violated my privacy and their own published privacy policies? I will continue to fight this inappropriate and illegal action against me. 

I have also asked for copies of all bank statements of all accounts including mortgage. They have failed three times to provide it all. They provide pieces or duplicates and then tell me they won't provide anymore. I expect ALL COPIES OF ALL ACCOUNTS.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

After hearing of the data hack at the XXXX  XXXX I decided to freeze my credit at the three services. No problem with the other two, but at TransUnion I could not login. I got a message that my identity could not be verified. This occurred on XX/XX/2023. I spoke with their customer service that day and was told the issue would be elevated and I would hear back in a week. 

I never heard back and I called again on XX/XX/2023. This time I was directed to email identifying documents to XXXX  with a userID of XXXX. I did this and on XX/XX/XXXX got several email messages that my identity was confirmed, that I had a new temporary password and that I could login. 

Attempting to login yielded exactly the same result : Account Security : Your account has been temporarily suspended. 

Were sorry, but we couldnt validate your information. 
For your protection, we have temporarily suspended your account.
Consumer complaint received 2024-08-28
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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-04-27
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: EQUIFAX, INC. (FL)

Company Name : Equifax What happened : OnXX/XX/XXXX, I noticed my credit score had gone down by approximately 100 points. The report showed Equifax reported a collection/debt that was not mine. I looked at my Equifax credit report where in addition to the collection issue there was a false address as well as false employment information ( false employer ). 

I called the collection agency and the original creditor and they could not find any information under my name. On XX/XX/XXXX I submitted a dispute with Equifax. 

On XX/XX/XXXX I was notified their information was not only accurate but that they had updated my credit report with new information. 

Equifax is claiming that my dispute over their false information about me is not only incorrect but that after their investigation they were updating my file with more false information. 

The updated information reports the false address and employer information as my current address and current employer where before it was just listed without designation. 

It is very frustrating and almost impossibe to communicate with Equifax. For example, I am unable to view the status of a dispute because the website freezes me out. In addition, the wait time on the phone is never ending. Please help me.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XXXX XX/XX/2023, my account was frozen without warning. I called USAA not knowing anything to resolve the matter. I was told that it was frozen and under review. They refuse to tell me anything and have treated me with disdain like Ive committed a crime or some sort. I believe it is because I was trying to send money to fund a trading account. I used my known XXXX, XXXX, email address and passwords/codes using the procedures outlined by them in order to facilitate this transfer. They never sent the money, I was never notified of a problem or was asked anything. I feel XXXX being denied due process of law and now they are causing a financial hardship.