davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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. (SC)

I am writing to formally dispute a collection account listed on my credit report. The account in question is being reported with late payments after the closure of the account, the documentation i have shows that company did not state any items will show late, nor did i sign anything given permission which I believe to be inaccurate and potentially unlawful. The details of the account are as follows : XXXX XXXX : XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/2023 My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( XXXX XXXX - Privacy Protections ) : This statute regulates the disclosure and handling of nonpublic personal information by financial institutions. The reporting of late payments after the closure of the account may involve unauthorized disclosure or improper handling of my personal financial data. The accuracy of this reporting suggests that there may have been a breach of privacy protections. 

15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible Purpose ) : This section stipulates that a credit report can only be accessed and reported under specific permissible purposes. I question whether the collection agency had a valid and permissible reason to report late payments after the account was officially closed. Any such reporting without proper authorization or permissible purpose may be a violation of this provision.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute addresses the use of another person 's identification to commit certain felonies. If the late payments being reported after account closure involve fraudulent or inaccurate information, this may suggest an issue of identity theft or misuse of my personal data. 

Based on these concerns, I request that you conduct a thorough investigation into this account. Specifically, I seek the following : Verification and proof that the collection agency is authorized to report late payments after the account was closed.

Documentation demonstrating that the collection agency had a permissible purpose for accessing and reporting this information. 
Evidence that my personal financial information has not been mishandled or improperly reported. 
Until this matter is resolved and the account is verified, I request that the collection account be marked as Disputed on my credit report. Please provide written confirmation of the investigation results and any updates or corrections made to my credit report as necessary. 

I appreciate your prompt attention to this matter and look forward to your response within the timeframe required by law. 

Thank you.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank XXXX XXXX XXXX ) changed their policy for sending bills in XXXX 2024. I previously received a paper statement in the mail and always paid the bill in full. I was forced to switch to paperless billing or incur an additional monthly fee for the paper statement. This was and remains the only credit card I have that has such a policy. The first paperless bill got lost in the almost one XXXX emails I receive on a daily basis, many of these are spam emails. When I discovered the unpaid bill, I immediately paid it with the current charges at the time. I spoke with customer service ( XXXX, ID # XXXX on XXXX2024 ) and was credited back both the late fee and interest charges as a courtesy. The current bill now shows additional interest and according to the representative for Synchrony Bank, the policy regarding interest also changed on XXXX XXXX 2024. As someone who never carries a balance and always pays every credit card in full, there would be no need for me to find this change in whatever document was supposedly sent. I just received an email today, XXXX XXXX, 2024 from Synchrony Bank, informing me of changes to the terms of the account and to log in to find out what the changes are. They seem to be changing terms at a rapid rate. According to my last bank statement : If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. This interest, plus interest on that interest, will be reflected on your next billing statement. ( See attached copy ). Synchronys change in policy and paperless billing caused this error. I dont think it is right or fair to pay additional interest charges when I have paid the full balance and they even waived the fees and interest initially. They refuse to address this issue further and in a fair matter ( XX/XX/scrub>/2024 ). I have never encountered a similar situation with any other financial institution. Thank you for your attention to this matter. The New York State Department of Financial Services requested that I contact CFPB.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (NC)

XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX at Navy Federal Credit Union XXXX XXXX violation of the following regulation. I presented securities on bond paper to her with my XXXX account information, XXXX formXXXX XXXX  as I am a member of Navy Federal Credit Union and asked that she transfer my XXXX  through the XXXX XXXX so I could sell or trade them on the XXXX XXXX XXXX XXXX refused to endorse mXXXX XXXX and transfer them stating she " doesn't do that '' I asked if she could explain or if I was missing information and she said " those are XXXX '' and told me if any XXXX else had provided me with a XXXX XXXX  that " they shouldn't '' I asked for an explanation or if I was incorrectly submitting them and she said " those are bills '' I explained they are XXXX XXXX and she refused to assist me or guide in any form. I told her XXXXXXXX XXXX provides XXXX XXXX and that was why I went to the location and she said " they shouldn't '' and that she " wouldn't do it '' no explanation was provided as to why she refused to transfer my XXXX  ( valued at approx {$12000.00} ) VIOLATION OF XXXX XXXX XXXX General instructions and liability. 
( a ) The certifying XXXX must : ( XXXX ) Require the person presenting a bond, or an appropriate XXXX XXXX transaction form, to establish his or her identity in accordance with XXXX XXXX XXXX XXXX instructions and identification guidelines ; ( XXXX ) Place a notation on the back of the bond or on the appropriate XXXX XXXX transaction form, or in a separate record, showing exactly how identification was established ; and ( XXXX ) Affix, as part of the certification, his or her official XXXX XXXX XXXX or issuing or paying agent 's stamp, address, and the date of execution. 
( b ) The certifying XXXX and, if such person is an XXXX or an employee of an organization, the organization will be held fully responsible for the adequacy of the identification. 
( c ) A signature guaranteed stamp under the XXXX XXXX XXXX XXXX XXXX ( XXXX ) is an acceptable XXXX XXXX.
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

My loans were forgiven via XXXXXXXX XXXX XXXXXXXX and per the settlement agreement, I am owed a refund. I've submitted XXXX " comments '' on my XXXX XXXXXXXX that have gone unanswered. I've submitted XXXX " feedback '' cases on my portal. I did receive a couple of responses via email, telling me the refund request of {$XXXX} was submitted on XX/XX/year>. Today is XX/XX/year> and they can not give me any update on the status. I just want to know how to get my money from them.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: INTERCONTINENTAL EXCHANGE, INC. (TN)

I was denied a grant assistance to save my house from foreclosure and recently found out it is due to incorrect information reported by the Mortgage Electronic Registration Systems, INC ( MERS ) This company is reporting that XXXX XXXX is the homeowner and this is NOT correct nor has this individual had any financial connections to my home. This individual was never on the mortgage contract, not on the Deed and has never been listed as an owner of this property. In addition, this individual is committing fraud and should be prosecuted for this illegal transaction. I have called the Title Company and have a clear copied where this person was not and still not on the deed. This is a violent individual and my personal information, financial situation and information is being sent to them due to this incorrect data being sent my MERS. If the individual says we are married that also is a lie as we been divorced over 13 years due to XXXX XXXX with no children and no assets together. 
Please correct this information reported by MERS and have no more of my personal information address nor sent to this person.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After I deposit my check theres issues with me sending to other banks and intuitions. 

I am late on payment of mortgage. They hold every paycheck 5 days. Mortgage XXXX XXXX name I am late with for 3 months straight. 

Today, after reporting of some authoritizied after receiving a new digital to use. 
I had to reschedule my doctors and client and reschedule another client. I stood in XXXX gas station trying to assess money. Which never occurred I had to visit local branch for cash. 

Then tonight in line to pay groceries, I stood in line again embarrassed, upset I cant use my money, but criminals they can. I am charged late fees for my rewarding for working. 

I dont know BAC solution will be. But I want my money when I need my money. So if they cant or dont find a solution, until they do whenever I use it needs to authorities. If I am buying groceries, it needs to authorize to do so. Luckily, tonight I took a extra cash at the local branch and I had enough cash left over that my family had a small meal and thank XXXX for that
Consumer complaint received 2024-07-28
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSKY OPERATIONS, LLC (NY)

In XX/XX/XXXX I joined a 5 month repayment program with GreenSky LLC stating I would receive smaller payments from XX/XX/XXXX and that I would have to start making regular payments again in XXXX, XXXX. I setup automatic payments to come out of my account for those months. 

Below is the verbiage from the email I received : Reduced Monthly Payments Required 1. We are temporarily reducing your monthly required payment for 5 month ( s ). During this period your new reduced payment amount will be {$89.00}. After 5 month ( s ), your required monthly payment amount will be due again in XX/XX/XXXX in the amount of {$170.00}. 
2. If your account was past due at the time you were granted relief, it will return to the same past due status immediately upon expiration of your relief and your account will be due for the previous past due amount.

My account was reported as Current for the period of the relief program and I didnt think I needed to start making regular payments again until XX/XX/XXXX. 

On XX/XX/XXXX, I started getting emails that my balance was PAST DUE and the relief program ended XX/XX/XXXX, which contradicted my understanding of when I needed to pay the regular monthly amount and anything past due again. Additionally, I thought my balance for XX/XX/XXXX had already been paid on XX/XX/XXXX since an additional payment came out of my account automatically. On XX/XX/XXXX I went to review my account balance and noted I had a Past Due balance and paid {$430.00}.

I thought their records were erroneous because I had already made a payment for XXXX, but wanted to make sure I wasnt in that status. I spoke to a XXXX, who called me back on XX/XX/XXXX and told me I was ~ {$19.00} short of paying the past due amount that was owed before I entered the relief program. She also apologized for the confusion I had because she noted an automatic payment still came out of my account for XX/XX/XXXX even though the program had ended in XXXX according to her records. She stated I needed to make that {$19.00} payment by XX/XX/XXXX, which I did. 

Subsequently, I was reported as 60 days PAST DUE on my credit report which was NOT mentioned on any of the correspondence I received AND my understanding is that I met the XX/XX/XXXX date by paying the full past due amount, this was not Past Due. That XXXX mentioned nothing about me still getting reported as Past Due. 

I have attempted to resolve this matter with XXXX and their investigations keep saying their information is correct. However, on XX/XX/XXXX, a representative told me that they have been unsuccessful in finding the recorded calls that I told them I had with their Company.
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (AZ)

On XXXX I purchased XXXX tickets from a valid seller. We decided to buy XXXX more tickets and invite our friends to go with us to the XXXX XXXX concert. The purchase was made for {$2600.00}. When I tried to find the XXXX tickets I could not. I called NFCUXXXX and asked them who the merchant was and they gave me the rolling stones magazine phone number which was incorrect and no help at all. After many days of going through my phones records I found a screenshot for XXXX and contacted them. I discovered that every XXXX in the XXXX has a list of fraudulent claims against XXXX used an Unvalidated Redirect Attack to change my browser to their page instead of the same seller I had purchased the earlier XXXX tickets from. I was unaware of this. Turns out Tickets-Center.com is a reseller ; whatever that is. I paid for XXXX tickets and they would not give me the seat numbers or the tickets. 

I filed a dispute with NFCUXXXX XXXX XXXX and sent them all my research and history. The merchant sent an explanation that I had received the XXXX tickets and NFCU believed them. NFCU has done XXXX due diligence on this matter saying there is no billing error. 

There are many disclosures that XXXX  should have disclosed at time of purchase but they did not. The most important one was that when the day comes that I might get my tickets Id have to pay more money to join XXXX to get them. I did not ever agree to do this. 

I cancelled all my friends coming to Arizona in late XX/XX/year> since it was clear that I was not going to ever get any tickets. 

I can give you a detailed summary of events with dates and activities but it's too lengthy for an introduction to this dispute and I have to put those details in a document. But I'm happy to do so.
Consumer complaint received 2024-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC (NJ)

I was charged a late fee by my mortgage company and I have auto payment set up thru my Bank : XXXX  XXXX XXXX which goes thru beginning of every month, following is proof of auto payment via my checking account since beginning of year : XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LoanDepot Bill Payment View/Edit Bill Pay - {$2900.00} XX/XX/year> LOANDEPOT XXXX : XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX  ID : XXXXXXXX XXXX View/Edit Other Payment - {$2900.00} XX/XX/year> Check XXXX : LOANDEPOT MORTGAGE View/Edit Check - {$2900.00} XX/XX/year> Check XXXX : LOANDEPOT MORTGAGE View/Edit Check - {$2900.00} XX/XX/year> LOANDEPOT XXXX : XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX View/Edit Other Payment - {$2900.00} I was charged a late fee of {$94.00} for late payment which I did not make, here is the proof what what they charged, I have never missed a payment and should not have been charged a late fee and would like a refund of {$94.00}. : XX/XX/year> Disbursement for Taxes - {$2900.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XX/XX/year> Late Charge Fee {$94.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XXXX XXXX, XXXX  Payment {$2900.00} XXXX XXXX XXXX, XXXX  Disbursement for Taxes - {$2800.00} XXXX XX/XX/year> Principal Payment {$15.00} XXXX XX/XX/year> Payment {$2900.00} XXXX XX/XX/year> Initial Escrow Deposit from Closing {$2900.00} XXXX XX/XX/year> Escrow Refund To Borrower - {$2900.00} expand_more I have called LoanDepot and they refuse to take away the late fee, they say they can not do anything about this, I have autpayment set since beginning of my mortgage payment and above proof that I was not late, it's not my fault that they didn't receive the payment or process the payment before the due date.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (CA)

PNC Bank Auto Loan After getting approved for my auto loan from PNC Bank I could not access their website to set up automatic payments. I tried multiple times. Finally I set up automatic payments through my bank account to get there a week early. After the first payment I started getting texts and mail saying that my account was past due. I checked my bank account and sure enough it had gone out early so should have been at PNC for at least 10 days at that point. I called to see what was happening at PNC and they said this happens all the time. It usually takes them 2 weeks to enter checks that are mailed. Once they entered the payment the overdue fee would be removed and they would make sure that my credit report wasn't affected.

Second month, late notices started again. This time I checked my credit report and sure enough, it was showing I paid late. I called again to see what happened to confirming I paid on time but this time I got a disaffected, if not honest rep who told me that the only way to ensure my payments are entered on time is to set up automatic payments on the PNC website. I told him I had tried and he helped me get logged in but said I needed to mail the application in, it would take a few weeks and that no one at PNC would fix my credit report but that I could file a complaint with CFPB.

Here I am with PNC statements showing only one payment made in XXXX months, late fees and a lowered credit score while three payments have come out of my account. I have set up automatic payments as they suggested. 

It shouldn't be this hard. It's as if they know that using antiquated, confusing processes help make them more money in fees.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-29
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: Experian Information Solutions Inc. (DE)

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 XXXX out of XXXX 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. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.