davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
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)

I am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by TransUnion. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial situation.

Complaint Details : 1. Failing to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been handled inadequately, demonstrating a failure to meet the FCRA 's accuracy standards.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus are required to conduct thorough investigations of disputed information. However, my past disputes have been met with automated responses through systems such as e-OSCAR, which do not meet the legal requirements for a full investigation. This approach neglects a comprehensive review of disputed entries, perpetuating inaccurate information on my report.

3. Failure to Comply with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate account statements and disclose essential account information to consumers. XXXX has failed to comply with TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 4. Violation of FDCPA Rules on Accuracy and Non-Deceptive Practices The FDCPA requires debt collectors and information providers to report accurate and verifiable data. The accounts in question have been repeatedly reported incorrectly, with misleading information that has not been corrected despite my disputes, which is a violation of FDCPA protections.
Consumer complaint received 2024-11-13
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. (TX)

Upon reviewing my credit reports from the three bureau 's. i discovered some instances of late payments for an account ( XXXX XXXX ) for which i have made timely payments very consistently. Credit reporting play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following the following accounts. I request a thorough investigation into discrepancies and urge to provide evidence, such as statements, demonstrating the lateness of these payments. If you are unable to furnish such proof, i demand that these payments be promptly be updated to reflect their true status as on-time/paid as agreed as i have consistently upheld my payment obligations without delay. Thank you for your time attention in this matter.
Consumer complaint received 2024-11-13
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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  Lending # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX XXXX credit card with Wells Fargo with number XXXX XXXX XXXX XXXX. 
In XXXX wells Fargo sent me a letter requesting me to send tax form XXXX by XX/XX/XXXX or else they will close the account. 

On XX/XX/XXXX XXXX, I sent across a fax with the signed XXXX as they requested. Please see attached fax confirmation proof. 

After that I called Wells Fargo multiple times every week, only to be told they received my fax and processing it. They kept on transferring me from one agent to agent again and again wasting hours of my time. FInally they told me that it takes 45 days to process my fax. 

After that I stopped calling and thought I will wait till XXXX XXXX XXXX  before calling again. 

But on XX/XX/XXXX, I received a letter by mail that they closed my account as I did not respond XXXX though I did on XX/XX/XXXX. 

They seized all my {$680.00} worth of XXXX rewards points and they billed me a {$99.00} annual fee even after closing my account. 
Looks like their lazy customer service never processed my fax even though I faxed it to them on the number they asked me to. 

This is a gross injustice done to me and I request Wells Faro to immediately reinstate my {$660.00} XXXX rewards points and reinstate my card immediately. 
Further, they removed my online access, so I am not able to make my payments on the card. So, reinsate my online access also.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (NC)

I applied for a Chase Sapphire credit card. Chase denied my application. The reason given was I had received too many cards in the last 2 years. My credit score is over XXXX and I have 20 years of clean credit history. I do take advantage of credit card offers when the rewards offered is equal to {$100.00} or more. I think they denied my application because of this and because I do not carry a monthly balance with any credit card nor do I make cash advances or transfer balances. I think this is unjust discrimination. Can anything be done?
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian 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 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 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 2024-11-13
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. (CA)

On XXXX XXXX, I was reviewing my credit report and noticed an account that was not reporting accurately. I have been up to date with my payments, I noticed two late payments on my account. The consumer reporting agencies need to report all information with complete accuracy, I have never missed a payment on ( XX/XX/XXXX and XX/XX/XXXX ). I understand 15 U.S. Code 1681 according to federal law 15 U.S. code 1631a ( 2 ) ( A ) a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I will gladly request for you to investigate this account and update these payments to show as paid on time immediately. Thank you for your help and understanding.
Consumer complaint received 2024-10-18
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. (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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 2016-07-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ZIONS BANCORPORATION (NE)

1. The National Bank of Arizona in XXXX, Arizona, froze my joint checking account for no logical or legal reason and held funds hostage that I needed to operate my sister 's estate following her death. They did not provide me online access to statements even though I am ALSO the probate-court-appointed personal representative for the estate. The result was my inability to pay the mortgage and other utilities and expenses ; late fees and attorney fees have been incurred. 
2. The National Bank of Arizona is demanding full payment for a home equity line of credit ( HELOC ) due to their own error in freezing the account the payments come from. 
3. The National Bank of Arizona is imposing a {$500.00} prepayment penalty when the HELOC is eventually paid, upon the sale of the property it is secured by, which is excessive and can be waived.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

There is an address on a XXXX XXXX, in XXXX, California, which is incorrect. I lived at XXXX XXXX XXXX # XXXX, XXXX, California, from XXXX until the year XXXX.
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: KEYCORP (NY)

According to Key Bank - my MC issued by  XXXX   XXXX  bank was closed because they received a report dated on  XXXX   XXXX ,2017 that I filed  Chapter   XXXX  bankruptcy.   Fact : I did filed a bankruptcy but that account was never included.   The account that they closed was of good standing -just made a $  XXXX -payment. The credit limit was {$5000.00} and it has an outstanding balance of just over {$2000.00}. I can not access the account thru online banking and I only have those paperless banking so I do not have papers.   I am trying to fix my credit and I have been keeping this account of good standing. I find it very unfair to just close the account that does not have a problem.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I have XXXX in student loans, XXXX which are private loans from Navient. I am having medical issues, and require XXXX this month. I called Navient to see if they have a medical deferment or medical hardship deferment plan. They do not offer any interest free deferment plans - only plans that will lower my payment but I will have higher monthly payments more in the future. I also asked to speak with the Office of the Customer Advocate and the XXXX representatives I spoke with all told me that they did n't have the number, or they can not give me the number. The last person I spoke to said that it was Navient 's policy to not give out the Office of the Advocate 's contact information.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MN)

I have a car loan through JP Morgan. I had someone hack into my bank account and I tried to remake my payment. JP Morgan took the payment out of my account three times for a total of XXXX This happened on XXXX XXXX, it is now it is now XXXX XXXX and I have been getting the run around by them. 
I have yet to get my money back. Every time I call I get a new date of when I can expect my money.
Consumer complaint received 2016-01-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (SC)

For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC.
Consumer complaint received 2024-09-30
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (PA)

They want an over abundance of money. When they talked about a income driven plan, last year ( 2015 ), I sent paper work in and they said I owed nothing. Nothing has changed with my income or amount of children or anything and now they want payments even with the same income driven plan. It seems like they always switch things up. No one is on the same page, it 's always something different every time you calll them.
Consumer complaint received 2016-04-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

In XXXX we took a Home Equity Line of Credit out on a property. There are XXXX people on the loan. We did n't realize at the time we signed a home equity loan with interest only for the first 10 years and principal and interest the remaining 10 years. Then in XXXX of XXXX we were slammed with a new payment of {$2600.00} from interest only of XXXX. We were never notified ahead of time our payment was changing due to this issue. We fell behind and immediately requested a modification from our lender. We were sent the package and completed it and returned it. We were approved in writing for the modification on XXXX XXXX, XXXX. Verbally we were told to make XXXX trial payments of {$1600.00} for three months. We agreed and made our first payment on XXXX XXXX, XXXX. On XXXX XXXX we received a letter from our lender that they were unable to offer assistance. This letter was dated XXXX XXXX, XXXX, XXXX day after we made our first trial payment. The reason for denial was Unacceptable Collateral. Who does that? This is wrong on so many levels. I also believe only XXXX couple was included in qualification for the modification. PNC does not seem to handle more than XXXX people on the loan with their computer system. So I know the XXXX couple 's income and ratios were not even included in the decision. At this point we were 5 months behind and left with no options. We did make up the deficit and are now current but I need PNC to answer for what they did and was the XXXX couple involved in the decision making.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
Consumer complaint received 2016-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I took out XXXX loans in XXXX and XXXX to supplement my federal loans. The total was {$8100.00}. My Dad helped me out and paid the set payment fee for two years ; this was approximately {$80.00} a month split between the XXXX loans. The interest rate has constantly changes around XXXX depending on which loan. It has now been 10 years and I have barely made a dent on the loan. As of XXXX XXXX I was told I would have XXXX more months of repayments-14.5 more years at {$65.00} a month. I am not the best at math but with an interest rate at 4 % I would have {$230.00} in interest a year, {$19.00} a month and yet, when I have been paying {$100.00} a month ( recently ) only {$43.00} knocked off the balance. Where does the other {$57.00} go to? 29.6 % interest? As of XXXX XXXX they started combining the loan information onto XXXX statement. Then I noticed that my payment statement shows the {$100.00} payments but that only {$55.00} has been applied each month. I do n't know where the rest of the money is going to. When you call AES you get mysterious hang ups/long wait hold times over an hour, etc. A person is given the run around. my loan balance is {$5700.00} from {$8100.00} in 10 years of payments! That was {$7200.00} ( at least because multiple payments over the monthly payment due ) in that time period. If my calculations are correct, interest at 4 % on the principal balance to start would have been {$320.00} a year which of course decreases with payments. Even with that, that would be {$3200.00} in interest over 10 years meaning I have paid ( at least ) {$3900.00} off on my loan. Yet, according to my statement I have only paid off {$2300.00}. Please help, I am doing all I can to be responsible but this is disheartening on top of the federal loans I have to shoulder. Thank you!
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MN)

My credit account was closed today because according to CITI they said i had to many recent inquiries on my account after telling me in many conversations that im a valued customer and they value my business. Thanks for your help.
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NC)

Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.