davidheineman/consumer-finance-complaints-large huggingface dataset:
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

SUMMARY : 1 ) XXXX XXXX XXXX XXXX continues to ignore and report accurate reporting on my credit files at XXXX, XXXX and Tranunion. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) XXXX XXXX XXXX XXXX XXXX to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with XXXX to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 ) XX/XX/XXXX, XXXX XXXX pays XXXX over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because XXXX informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if XXXX  would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) XXXX  total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) XXXX total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) XXXX more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have XXXX  properly update the information on several occasions 8 ) More calls were placed to other department to XXXX XXXX XXXX XXXX about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact XXXX received payment for the vehicle. 

Considering that XXXX XXXX has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their butts moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2018-08-16
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Niagara Restitution Service Inc (TX)

Niagara Restitution Service ( NRS ) contacted me at my work phone number then contacted my supervisor and told them they were a process server and then told me that they would garnish my pay.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (MN)

I wrote a check to Wells Fargo Auto and mailed it to pay off a vehicle loan. The check cleared my bank on XX/XX/2020. I noticed that on XX/XX/2020 the vehicle auto payment was memo posted to pay. I called the bank to have them reverse the charge and they reassured me that the debit would not go through. The next day the charge went through. It is Friday XX/XX/XXXX and I have yet to see reimbursement or my lien card. Do they plan on paying interest to me for holding my money hostage? I wonder how many people go through this same thing. Its seems like they could make a lot of money on everyone else 's interest when aggregated.
Consumer complaint received 2024-09-04
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. (CA)

FTC REPORT ATTACHED XXXX XXXX fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 

Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX  XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, TransUnion, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
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. (WA)

My account with TRANSUNION 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

Frontier Member # : XXXX This complaint is regarding frontier promotion with Barclays credit card. My offer was to get XXXX points with XXXX XXXX yearly fee after {$500.00} purchase. Link below I have applied for card XX/XX/14 and finished purchases by end of XXXX and XXXX point was rewarded in second week of XXXX. 
XXXX XXXX XXXX XXXX As per document at the time of complaint.. elite statusXXXX was supposed to be with XXXX points. 
XXXX XXXX XXXX XXXX  As per offer on credit card page there is no difference mentioned about normal point for elite status vs bonus point for this offer and its giving the impression by earning XXXX points.. you will get elite status, however when contacted agent mentioend these are different points and you have to make that much purchase to get elite status and these XXXX points doesn't count for elite status. 
No where on credit card page its mentioned about this point not considered for elite and details are given on page about elite status give impression about earning that only. 
Its clear case of false and misleading advertisement and fooling the customer. There customer service is not able to provide any documentation on difference between points stated in offer page. its a scam to get ppl apply to credit card Given screen shot of offer
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (LA)

Dear CFPF associates, In XXXX, I agreed to XXXX XXXX  insurance for one of my Citibank credit card accounts only because I misunderstood or was misinformed about the cost. When the paperwork arrived, my wife informed me of the actual cost. I was going  to cancel it, but my wife asked me to keep it. In XXXX, I was diagnosed with a new XXXX  and XXXX  XXXX  that I was unable to manage. In XXXX, I had to stop working and applied for long term XXXX. I continued to pay all of my debts as usual. My wife reminded me about the Citibank acct. with the XXXX XXXX and I applied for their job loss benefit in which they freeze your acct. In XXXX of XXXX, I received notification from XXXX XXXX that the job loss benefit was accepted and implemented. A few months after, I notified XXXX XXXX that I received a fully favorable long term XXXX ruling and sent them a copy of the ruling, SSA approval letter and the medical documents used to make the determination. I also applied for their XXXX XXXX long term XXXX benefit in which they pay the balance of your acct. over 24 months up to {$10000.00}. A few weeks after, I received a response from XXXX XXXX stating that they accepted my long term XXXX status, but requested that my physician fill out and sign a form. After receiving the form, I dropped it off at his office. The following week, on my next appt., I reminded him about the form, he informed me that he couldnt do it. He stated that he doesnt do any of that paperwork for credit card companies, nor does he know any other neurologist that do, due to the risk of having to appear in court and being inaccessible, in case of a dispute. This is when all of the problems started. Attached is a narrative of what followed along with complaints to the parties involved.
Consumer complaint received 2018-05-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BlueChip Financial (CA)

On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.
Consumer complaint received 2018-05-03
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)

I filing this complaint, Equifax, XXXX, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

Thank You!
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 — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (MI)

There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent JCPenney account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.
Consumer complaint received 2018-08-16
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: LEXISNEXIS (IL)

On Friday XX/XX/2018 I wrote to XXXX  requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, XXXX  has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with LexisNexis a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.
Consumer complaint received 2018-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (NC)

An auto accident occurred in XX/XX/XXXX due to negligence from another driver. The driver was insured by XXXX XXXX XXXX who agreed to pay all medical bills. The billing party ( medical company ) did not submit an invoice for payment until XX/XX/XXXX, over 2 years from the date of service. In speaking with the medical company, it was reiterated that all medical bills were to be paid by XXXX XXXX XXXX, who at that point had settled the claim. This medical company submitted all other invoices correctly to the insurance company for reimbursement except this one particular invoice. This bill does not to belong to me and is the responsibility of XXXX XXXX XXXX ; the medical company is to blame for the lack of submitting invoices in a timely manner.
Consumer complaint received 2018-05-03
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: General Motors Financial Company, Inc. (OH)

Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXX GM Financial is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. XXXX  should know better. 

Per XXXX own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-05-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I applied for and received a Line of Credit over the internet from CashnetUSA.com. I was granted XXXX but only asked for XXXX. The money was deposited in my account the next day. I called the company and inquired as to how much my payments would be and was told they had no way of telling me until the XX/XX/XXXX or XX/XX/XXXX of the month. The day after that call, I accessed my account on line and was flabbergasted to learn that my first debited payment would be {$200.00}. This amount would put me in horrible hardship. As it was late in the month and I had spent the money, I allowed the payment. 
I accessed my account mid XX/XX/XXXX and to my surprise, they were going to debit my bank account for {$290.00} on XX/XX/XXXX. I then wrote a letter to Senator XXXX as she is a strong opponent of PayDay Lending, and called Cashnet. The Customer Service Manager that I spoke to rudely informed me that " people should educate themselves on the terms, and maybe he wouldn't get calls such as mine, and by the way, I would be paying 3x the amount borrowed ''. He also informed me that he could break the payments into three payments over three months, but I would still owe whatever the payment for that month would be. ( adding more money ) or he could stop the debit and send the account to collections. Otherwise there was no other option. I tried to explain the hardship such an exorbant amount would put on me as I am a senior citizen on a fixed income, to no avail. Today, I still don't know how much they plan to extract from my account next month. I understand paying back the money, but this is a terrible hardship. {$290.00} on a {$800.00} loan?
Consumer complaint received 2018-08-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I live in XXXX County Texas and my home was damaged during Hurricane Harvey in XXXX. I started the loan modification process for my mortgage in XX/XX/XXXX. I turned in all of the paperwork that was requested but there was this profit loss statement for my home based business. 
I saw that the paper said that I needed a CPA to prepare the profit loss statement but I hadn't made any money because I was displaced. I called my customer relationship manager and they repeatedly told me that I didn't have to get a CPA because my I had not made any money for the period that I was displaced. 

Fast forward to XX/XX/XXXX Bank of America sent me a letter saying that they were going to foreclose on my home. I called Bank of America and the representative told me that none of the Hurricane Harvey disaster victims were supposed to get the letter. On XX/XX/XXXX I called Bank of America and the representative told me that the letter had expired and that my house was in preforeclosure. 

On XX/XX/XXXX I called Bank of America with XXXX XXXX a HUD approved counselor to discussion options for my loan. The representative told us that I had to pay {$7400.00} so that I could qualify for a repayment plan for the {$2800.00} that was left on the outstanding balance. I called Bank of America today which is XX/XX/XXXX, one day later to make the payment and the representative said that I would have to now bring the account current and I would have to pay addition fees.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Mr cooper is unwilling to work with us as a result of a misapplied payment. The payment was made in XXXX and was not found and credited until XXXX. I was 2 months behind and because of the misapplied payment the account went into foreclosure. Had this payment been applied correctly this would not have happened. I called numerous times and it took 4 month for this to get resolved. I am now in a position of loosing my home and they will not work any arrangements out. I would like to pay the past due payments and have the fees added to the end of the loan. I wish to make a settlement reinstatement but each month the amount rises and its becoming impossible to pay this. I do not want to loose my home and full reinstatement is not an option but the only option they are giving me.
Consumer complaint received 2018-05-01
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)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX-XXXX