davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX, XXXX XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a notification that there was new activity on my credit report. Upon looking, I found a collection of what I assume is a loan taken out in 2022 and was never paid. This is the first time I saw or heard of the company. I believe it to be identity theft and I filed a dispute.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

While I was At a field trip with my child and at XXXX afterwards on XX/XX/XXXX, someone took {$1500.00} out of my account. There were XXXX transactions at a XXXXXXXX XXXX XXXX, XXXX XXXX charge and XXXX transaction at an ATM. I got A text message from my bank, USAA, saying a charge at frys was declined because of insufficient funds, I immediately Called my bank to let them know there was fraudulent activity. I had Just got paid the day before and I was not at XXXX, I had just left XXXX when I received the text message. Between receiving the text message alerting me of the declined charge and me calling the bank was XXXX minutes. They gave me back the money that was fraudulently taken out in less then an hour. ( Great service ) I was Told I did not need to file a police report and all was taken care of. On XX/XX/XXXX I received emails in my bank app telling me that they did find the ATM charge to be fraudulent ( {$500.00} ), but not all the XXXX  charges ( that equaled {$1000.00} ) so they took {$1000.00} out of my account. I immediately Called them to see why they found XXXX charge fraudulent and not the others, I was told it was because the person used a pin to get the money out. ( Which they also did at the ATM but that was found fraudulent ) They refused to look at it again or move forward with a fraudulent investigation. So I went To the Sheriffs department and have been waiting XXXX weeks to hear back from them. There was XXXX minutes between the charge at XXXX that was me, and the XXXX frys charge. I was told by a USAA rep that XXXX minutes was enough time for me to have made all the charges. 
I did Go to XXXX  attempting to get pictures or videos showing someone else making these charges, I was told only the Police/Sheriff can get that information. 
My spouse is currently XXXX, and we share a bank account. When my bank took out the {$1000.00} ( XXXX  charges ) it left my spouse in a very bad position. Ive been with USAA for XXXX XXXX  and never had a fraudulent charge
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CREDIT ACCEPTANCE CORPORATION (LA)

On approximately XX/XX/XXXX I noticed that my check was being garnished. Therefore I did some investigating and contacted my job to see why my check were short. I was informed that my checks were being garnished by a debt collection agency named credit acceptance. Credit acceptance did not properly notify me that I was going to be served in court for a debt that Im sure doesnt belong to me. Im a single mother with a XXXX year old child and I also reside in my own apartment. My checks are only {$900.00} dollars before the 25 % garnishment. My child and I can not survive bringing home checks with {$600.00} every two weeks.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 2015-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I was approved by a mortgage by XXXX, but my current bank, Citizens Bank, said they would meet or beat any competitive mortgage rate. Based on this, I sent my good faith estimate to them which I received from XXXX with a 15yr 2.875 % rate and a {$1000.00} credit. As I have done banking with them for 20 years, and also have my business account there, they sent me an email saying they would offer me a better rate at 2.75 % with no discount fee and appraisal fee paid. I reached an agreement with the mortgage agent for a 2.75 % rate, no discount fees, and a {$500.00} credit. 

I went to the bank the next day and signed all the paperwork with Citizens Bank. Good faith estimate was sent to me three days later which was incorrect ( and inconsistent within the document from section to section as to what was being offered ). I informed the mortgage agent and was told that it was a system generated email which did not reflect our agreement, but it would be correct at closing. 

This was a short sale situation and the bank holding the property paperwork had already agreed to an extension and would not give another, so we had to close on XXXX/XXXX/15. 

Received the HUD one hour before closing and saw it was incorrect. It did not reflect our agreement ( and did not even match the Good Faith estimate ). The HUD showed the correct rate, but added discount points and I was charged for the appraisal. There was no credit given. Called the agent and she refused to re-issue the paperwork to the bank. Tried to call her supervisor with no success. As this was the last possible day to sign the closing I signed the paperwork expecting we could get this resolved after the fact. 

It has been two months since my closing and my calls/emails to the mortgage agent, her supervisor, his supervisor, and the regional vice-president have all been ignored. I have just now received a form letter stating they will not honor their original agreement. 

I have a complete timeline and copy of every email/call/document which I will attach ( and which I presented to my branch manager ) and am happy to meet or discuss this with anyone from your agency. 

Thank you for your assistance in having Citizens Bank honor their original agreement which was used to get me to sign up with them. 

Best regards, XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name/Account # : 1. XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (CA)

Mandarich law group LLP. Ca debt collector license # XXXX has continued to issue letters stating I owe them a debt that started at XXXX. Now they sent me a copy they filed XXXX. Stating they are taking me to court that I now owe {$16000.00}. I disputed through XXXX XXXX but they state that the collection is mine. I asked for a proof to verify my debt and my signature to the debt to them that are in questioned. I do not know or ever have associated with this law firm now signed any agreement to a debt I allegedly owe them. Now they are going through the steps to try and garnish my alleged debt through my my employer. I need proof in paper and documents I signed stating I owe this debt. If not, I request this to be removed from my credit report immediately. Thank you in advance.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Federal Student Aid XXXX XXXX Transunion Subject : Urgent Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to officially dispute the inaccurate reporting related to my credit file and to demand immediate correction of this error. The account in question is [ Account Number ] with [ Creditor Name ]. It has been erroneously marked as a charge-off ( CO ) for collection, which is not only incorrect but also a violation of my rights as a consumer under the CARES Act.

As per the provisions of the CARES Act enacted in XX/XX/XXXX, creditors are prohibited from reporting negative information for accounts impacted by COVID-19, assuming previous good standing or deferred payment terms. My account was paid in full on XX/XX/XXXX and then returned by the Department of Treasure now was paid in full again on XX/XX/XXXX, and it is unacceptable that this inaccurate information has persisted in my credit report. 
Please note that I have attached relevant documentation evidencing my full payment, along with my account history, which clearly demonstrates that this account was never in default or delinquent. 
I demand that you conduct a thorough investigation into this matter and amend my credit report immediately to reflect the accurate status of my account. This misrepresentation is causing significant harm to my ability to obtain credit and is, therefore, urgent that this issue is resolved without delay. 
I expect a prompt response and resolution. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond to me within 30 days. Please send me a written confirmation of the actions you are taking regarding this matter, as well as an updated copy of my credit report once the corrections are made. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

In XX/XX/XXXX, GS Bank reported a late payment on my Apple Card. This issue occurred because my primary bank, XXXX, unexpectedly closed my account, and I had to open a new bank account to handle my finances. The process caused delays in making payments, which resulted in the reported late payment. 

As a 100 % XXXX veteran, I take great pride in managing my finances and making timely payments. Since opening my Apple Card account in XX/XX/XXXX, I have never had a late payment prior to this incident. I am doing everything in my power to continue making on-time payments, and I believe this late payment was an unfortunate exception due to circumstances beyond my control. 

I understand that GS Bank has since closed my account, and I fully intend to continue making all payments as required to fulfill my obligations.
Consumer complaint received 2024-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

My student loans from the XXXX XXXXXXXX XXXX XXXX were discharged on XX/XX/year>. I received an email from the Department of Education stating that my loans were discharged based on borrower defense evidence and that I did not have to make any more payments. The email also mentioned that my loan servicer would inform me if I was eligible for a payment refund, which could be mailed to me or sent electronically. I contacted my loan servicer, Nelnet, to confirm my address and was informed that a check would be sent in the mail within 30 to 60 days. However, I have not yet received the check. 

After 90 days, I called Nelnet again to inquire about the timeline for my refund check, but was directed to the Department of Education and Federal Student Aid. Both departments confirmed that the refund should come from my loan servicer. Upon contacting Nelnet once more, I was told that they would escalate the issue and provide a response within 5 to 7 business days. However, I have not heard anything after 10 business days. 

I am frustrated with the runaround I have been given regarding my refund check and I am eager to resolve this matter as soon as possible.
Consumer complaint received 2024-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NJ)

In XX/XX/XXXX, someone broke into my home and stole all of my credit cards, identification, and other personal belongings. I immediately filed a police report regarding the break-in and theft ( which I can provide if needed ). As a result, I had extremely limited access to my funds and was focused on recovering from this traumatic event. 

In XX/XX/XXXX, during this period of instability, Affirm reported a late payment on my account. Due to the unforeseen circumstances and the effort I was putting into restoring my identity, I was unable to meet the payment deadline. I was doing everything in my power to recover and get back on track financially, but the challenges caused by the break-in significantly impacted my ability to make timely payments. 

I reached out to Affirm to explain the situation but haven't had success in resolving this issue. I would greatly appreciate your help in addressing this.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

On XX/XX/year>, at XXXX XXXX, I paid for a prescription at XXXX ( store # XXXX ) for {$11.00}. This was paid via XXXX XXXX which is tied to my Citibank checking account/debit card. At the time of checkout, I noticed another transaction come through from XXXX for {$820.00}. I immediately questioned the cashier ( XXXX ), who said there wasn't a record or log of that transaction on her register. I asked to speak with the manager, XXXX XXXX, who searched the register log and was unable to find a record of the transaction. I immediately contacted Citibank via phone to dispute the charge. This was at approximately XXXX XXXX  on XX/XX/XXXX. Citibank opened a claim case, XXXX. I explained to Citibank that I had not made this transaction. I received a letter from Citibank dated XX/XX/year> that my claim was under review. I later received a letter from Citibank dated XX/XX/year> declining my claim. I then called Citibank to dispute and they said they would review again. On XX/XX/year> I received another letter from Citibank again declining my claim. Since then I have called XXXX and they said they are not responsible. I also called XXXX on XX/XX/year> and was given case number XXXX. I was told they would review it, and to this day, there is no resolution. On XX/XX/year> I received another letter from Citibank declining the claim. I am attaching as a backup a screenshot of my checking account 's XXXX statement highlighting the {$11.00} transaction and the erroneous transaction for {$820.00}. I am also including copies of all the correspondence with Citibank. I did not make this charge/transaction with XXXX on XX/XX/year> for {$820.00}. I am at a loss on how this happened and why neither Citibank nor XXXX can resolve this. I have been an account holder with Citibank for over 18 years and have never disputed any charges. I hope you can help.
Consumer complaint received 2024-08-15
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/year> I closed my Victoria Secret credit card because I never received a statement from them not realizing that I had used my card I went in to the account and I noticed that I had a balance plus a late charge fee I was angry at this company because even dough they say that they are still sending me statements I have never received XXXX so I paid the balance plus the late fee and now I got a notification from XXXX XXXX that I had a balance of XXXX dollars from Victoria secret I called the company and I have talked to XXXX different people with XXXX different answers they said that o had owed XXXX dollars after I closed my Victoria secret account so now my credit is plunging and I havent been able to fix this problem XXXX of the customer service representative told me to pay the XXXX dollars and all those charges were going to be removed I keep checking and it still showing the total amount I called again unfortunately the persons I spoke to at first sounded like they were from XXXX the last XXXX spoke very well XXXX and she told me to pay the total amount that because I had closed my account back in XXXX she was not able to remove it I told her you cant because my account is closed yet you continue to charge me interest on XXXX dollars? So Im out of options I really do need your help please to resolve this problem Im not working I had XXXX and I can not pay this ridiculous charge over something I feel I never owed because I did paid my bill in full before I closed the Victoria Secret credit card please help me. Sincerely XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TN)

Creditor report wrong balance to collection agency, which is reporting to the bureaus. 
Creditor is refusing to send the agency the correct amount. I have emails and a receipt that confirm a payment was made and what the remaining balance is.