davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CO)

Received letter from 'ERC Collections ' stating that I owe {$270.00} to XXXX . The letter is under XXXX XXXX XXXX. My name is XXXX XXXX. I have an active account in good status with XXXX for my internet and phone service. 
I owe nothing to XXXX and the bill is bogus. I have tried calling 'ERC ' several times with 2 different phone numbers. Both are 'Disconnected '. 
Phone # 1 > XXXX Phone # 2 > XXXX Their website only allows payment with no live agent to discuss. 
The bill is not valid. 
I have attached a picture of the collection effort as well as my current ( Paid auto payment ) bill for XX/XX/21 billing cycle.
Consumer complaint received 2021-02-22
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. (IL)

I reached out to XXXX XXXX, Experian and XXXX buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Block, Inc. (GA)

On XX/XX/2020 XXXX XXXX and XXXX XXXX attempted to do a transfer of funds transaction through cash app. We attempted to do the transfer of funds three times. All three times they were declined. At this same time while XXXX was trying to pay XXXX the funds, XXXX was trying to request them. Somehow during the transfer of funds being attempted both ways got mixed up and frozen until both of us could no longer complete the transaction. XXXX XXXX attempted to call this number XXXX, which we thought was for cash app support. At the time of making the phone call when we made the call we talk to a foreign guy. He had XXXX to download an app by the name of XXXX XXXX XXXX XXXX on her mobile device. Once XXXX downloaded the app he was able to hack in her phone through cash app. This allowed XXXX XXXX to send the funds from her account to XXXX account. Instead of the agent sending funds from XXXX account, the funds were sent to someone account in California. He had XXXX XXXX to transfer two amounts. {$720.00} and {$820.00} for a total of {$1500.00}. None of these amounts were received in XXXX account. XXXX  cash tag at the time was $ XXXX. Instead of it being transferred to XXXX cash tag, it was transferred to a cash tag in California by the name of $ XXXX. This was never XXXX  cash app cash tag. After the transaction was completed to his satisfaction, the call was disconnected and there was no longer any communication with the agent. The person who received the funds had the above cash tag, the number was fraudulent and was not a working number for cash app support. The individual who made the transfer of funds was not a working individual for cash app support. These transfers were attempted through deceptive behavior and should be taken action against.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I noticed a {$1000.00} withdraw on my Bank Of America XXXX unemployment debit card. The withdraw was made by " State of CA XXXX unemploym ''. I contacted XXXX who stated this was a a problem with the bank who owns the XXXX card ( Bank Of America ). I contacted Bank Of America and the police to report the fraud. Bank of America had me file a claim ( claim # XXXX ), deactivated my card and issued me a new one, and temporarily returned the {$1000.00} to my account. On XX/XX/2020 I received a letter from Bank Of America stating the claim had been closed bc the account or the claim have been subject of fraud or suspicious activity. On XX/XX/2020 they took back the {$1000.00} they had temporarily returned. I have tried to call Bank Of America numerous times to understand how and why they reached this conclusion. Each time the hold times are insanely long ( 1-3 hours ) and upon getting transferred to an agent I am either disconnected, transferred to the wrong department, or told I would be called back. I have not been called back and no one from Bank Of America has been able to assist me in understanding why {$1000.00} was taken out of my account and how Bank Of America is deeming this " suspicious '' activity. These are unemployment benefits that I need during this time. I do not know what else to do to get this addressed. On XX/XX/2020 I submitted a claim on this site ( complaint ID : XXXX ) the company sent me various letters saying they were working on the case and needed more time but I never heard anything back.
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (KS)

At the end of XX/XX/2020 I turned my leased Ford car in at XXXX XXXX XXXX in XXXX KS. I received a confirmation letter that the car was turned in when I turned it in. There is no dispute about the car being turned in or when it was turned in. Ford agrees I turned it in at the end of XX/XX/2020 when the lease was up. 
The issue : I had overpaid on my registration for the vehicle due to paying for registration for one year and turning the car in before the year was up and was due a refund by the state of KS. I went in XX/XX/2020 to get the refund and was told that the car was still registered to me. The car was not taken out of my name until XX/XX/2020 when Ford re-sold the car and the state of KS was not notified of this until XX/XX/2020. Per the state of KS it is now too late for me to get a refund due to Fords negligence and conduct in this situation. I want Ford to pay the amount of the registration refund due to this and I have concerns about a car being in my name for months when I did not own it or have insurance on the vehicle. Ford is not owning up to their conduct issues or agreeing to pay a refund. Please assist and more information and documentation can be provided upon request. It was advised I not put it in here.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

This company continuously reports this account on my credit report without providing any documentation to back up this claim. They have only sent me an invoice. I have reached out to this company and the hospital and I haven't heard or received any documentation to prove that I owe this money. I've never went to this hospital and a claim was never filed with my insurance company.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
Consumer complaint received 2021-02-24
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NJ)

Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof ) every month to update on employment statues and extend forbearance. XXXX XXXX and Chase Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

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 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 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I took out a cash advance for {$17000.00} on XX/XX/XXXX. This transaction had a 4 % fee cash transaction fee of {$680.00} and came with a promotional rate of 0 % that had an expiration date of XX/XX/XXXX. I have been making payments towards this cash advance periodically and made the last three payments as follows : {$1900.00} on XX/XX/XXXX {$2000.00} on XX/XX/XXXX {$39.00} on XX/XX/XXXX I also took out a new cash advance for {$8000.00} on XX/XX/XXXX with a 0 % promotional rate that expires in nine months. 

From my XX/XX/XXXX statement, I see that my payments have not been applied correctly. I have been charged an interest of {$56.00} calculated at an exorbitant rate of 22.99 % on a balance of {$2800.00}. 

Again, in the XX/XX/XXXX statement, I have been charged an interest of {$160.00} calculated at an exorbitant rate of 22.99 % on a balance of {$8400.00}. 

I have asked the bank to review my account and refund me the {$56.00} plus {$160.00} in interest charges that are not legitimate. Also, I want the bank to confirm I will not be charged any interest on the {$8000.00} cash advance until the expiry of the promotional period. 

I have written a letter to the bank on XX/XX/XXXX and have not had a reply yet. 

I have sent them another complaint as detailed above.
Consumer complaint received 2021-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the Equifax Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the Equifax security Breach.
Consumer complaint received 2021-02-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I have a private student loan with Sallie Mae and they denied me lower repayment plan so that my loans go further into default. I have been calling them for 2 years now pleading with them to please get me into a program to lower my payments so that I will be able to pay EVERY MONTH. Instead of temporary forbearance, disaster forbearance-these are all temporary and will make my balance increase! I have explained that what they are offering is just a " bandaid '', because when forbearance period is over, I'm back in the same position as before except now I owe more! Every month, I get a new account manager that reads me the same script over and over and they only suggest forbearance, I have chose forbearance previously because agents said that was my only choice- because it would give me extra time to figure out how I can pay $ XXXX $ XXXX monthly! When I initially applied with Sallie Mae, they were offering income driven repayment plans, they stopped offering Income Driven somewhere before I graduated college but I did NOT know this.When I graduated, I was shocked to learn that they no longer offered that so I have been struggling to pay them for 2 years now. I'm now 2 days away from charge off because they're in 4 months default and they STILL will NOT allow me a lower repayment plan! I have been complaining to them for so long now saying that I want to pay my loans, I just need lower payments to ensure that I'm able to pay every month with no issues. I expressed to them that this would be the best option because at the minimum, I would be making payments to prevent default. They denied me lower payments so that my loans go further into default! Instead of working with me on this issue, they prefer to call my cosigner, his ex wife, and other members of the family who have nothing to do with this nor do they know about any details regarding my loans! I speak to agents at Sallie Mae several times every week and nothing is ever resolved. It makes no sense to me. As if harassing phone calls will make money suddenly appear! Very shady practices is what I'm dealing with here with SALLIE MAE.

I owe {$160000.00} and graduated from college 2 years ago.

Because college is unreasonably costly, and college is encouraged to advance our careers when we graduate-the only financial aid that is offered are these private loans. I have been proactive since day one and here I am 2 years later WITH NO RESOLUTION EXCEPT DEFAULT. Because this is how Sallie Mae profits, very sad and disheartening for someone who wants to pay off my student loans..
Consumer complaint received 2021-02-24
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 — Problem with personal statement of dispute
Company: M&T BANK CORPORATION ()

Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out account.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Never gave this consumer reporting agency TRANSUNION any written consent to report anything to my consumer report which is a violation of FCRA. Pursuant to XXXX5 USC 1692 ( a ) this an invasion of my privacy by reporting things to my consumer report without written consent.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Consumer complaint received 2021-02-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There was a HELOC on a property which I purchased on XXXX. I did a deed on lieu with a positive market value on the property on XXXX and stopped the payments on the principal loan and the HELOC ( same bank ). Bank of America reported this account on XXXX according to the credit bureau. the account was supposed to be reported when I stopped to make payments and not 3 years later. I have trying to dispute this issue with the bank and credit bureaus with no results. 

Bank of America balance due {$39000.00}. 
Account opened XXXX. 
Property address : XXXX XXXX XXXX. XXXX XXXX TN XXXX My name : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX FL XXXX XXXX XXXX.