davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My father passed away on XX/XX/XXXX holding > {$20000.00} in his Bank of America checking account. I was later appointed personal representative for his estate by court order. On XXXX, I informed Bank of America of his passing, and was told that they would contact me with details about how to transfer the funds in his account to his estate. After several weeks, I received a Bank of America form in the mail. On XXXX, I visited a Bank of America branch in person, providing all documents including their form, my court authority, death certificates, etc. I was told that they would send me a check in the mail. On XX/XX/XXXX, I received a letter stating that a document was missing. I called Bank of America estate department on XX/XX/XXXX and was told that the Bank of America employee had faxed a document incorrectly to another Bank of America employee ( omitting the cover page and a trailing page with no writing ). On XX/XX/XXXX, I visited another Bank of America branch and again provided all necessary documents. Although I was told that a check would be sent, I heard nothing until I called the estate department on XX/XX/XXXX. I was told that a Bank of America employee had again faxed a document incorrectly to another Bank of America employee - this time my mother 's death certificate - where the claim was that the fax had omitted part of the document. I requested a way to provide the document myself. I was provided with an account to upload documents. I uploaded a copy of my mother 's death certificate via the online portal. I also provided a copy via email. I called again on XX/XX/XXXX and was told that the copy of the death certificate was " blurry ''. I examined the photo on my computer and it is in no way blurry - I can read every single word! Thus, any bluriness ( if such really exists ) must have been due to thier portal ). I was told to visit a Bank of America branch again as a resolution. Bank of America has now held on to the funds in my father 's account for over 3 months without any resolution in sight, even though I have provided all necessary documentation in the form of court orders, death certificates, and their own estate forms multiple times. ( note : I am attaching the " blurry '' death certificate for reference )
Consumer complaint received 2024-10-17
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. (MO)

I see that TransUnion has removed XXXX XXXXXXXX off my credit reporting, but I didn't ask for it to be removed and TransUnion didn't listen to me as far as what I asked for as a resolution.
Consumer complaint received 2024-10-17
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. (DE)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-25
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)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 90 60 30 30 OK OK OK 60 30 30 30 30 30 120 90 60 30 30 30 30 30 30 30 30 OK 30 120 90 60 30 30 OK OK 60 30 30 30 30 30 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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 2024-10-17
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. (TX)

I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-17
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. (NY)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-22
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. (SC)

I am a victim of XXXX XXXX of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-17
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)

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX XXXX ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TRANSUNIONregarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to TRANSUNION regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good day, please read this complaint seriously. It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-10-17
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)

Subject : Formal Demand for Clarification of Negative Reporting Deadline Dear XXXX XXXX XXXX, This is a formal demand for information regarding my account. I require confirmation of the exact date by which you are legally permitted to report this account negatively on my credit file. As you are aware, continued reporting beyond the lawful period may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Failure to provide this information promptly will leave me no choice but to explore all available legal remedies to protect my rights. I expect a written response with the requested details within 10 business days of receiving this letter.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

I am filing a formal complaint regarding Care Credit, a division of Synchrony Bank, and XXXX XXXX  for engaging in predatory lending practices and misrepresentation of loan terms, which have resulted in financial harm. 

Details of the Incident : On XX/XX/23, I financed a medical procedure through Care Credit at XXXX XXXX  for a total of {$6700.00}. I was explicitly told by XXXX XXXX  that the terms of the financing included an XXXX no-interest promotional period, and any interest ( 26.9 % APR  ) would accrue only on the remaining balance after that period. However, after the XXXX promotional period expired, Care Credit has applied a 26.9 % APR from the origination date of the loan, which was never disclosed. This resulted in {$2900.00} in retroactive interest charges, which inflated my balance beyond the original loan amount, even though I have made nearly {$3000.00} in payments. 

Issues : 1. Misrepresentation of Terms : The financing terms explained to me by XXXX XXXX were misleading. I was led to believe interest would only accrue after the XXXX period, but Care Credit applied interest immediately. 


2. Predatory Lending Practices : Care Credit 's retroactive application of a 26.9 % APR is predatory and has resulted in financial harm, as it has increased my balance above the original loan amount. 


3. High-Pressure Sales Tactics : XXXX XXXX  pressured me into signing the agreement by offering a {$1000.00} discount for same-day booking, making it difficult to fully review the terms and conditions of the financing. 

Consumer Harm : These practices have caused significant financial distress. The misleading nature of the loan terms and the retroactive interest charges are predatory, violating consumer protection laws. Despite my efforts to dispute this directly with Care Credit, they have failed to rectify the situation. 

Request : I request that the Consumer Financial Protection Bureau investigate Care Credit and XXXX XXXX  for engaging in deceptive and unfair lending practices that target vulnerable consumers. I am also requesting that Care Credit be required to remove the retroactively applied interest, adjust the balance to reflect the true remaining loan amount, and cease all negative credit reporting and collection activities.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-25
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Alorica Inc. (KY)

My complaint is actually about two companies. I enrolled in XXXX to help reduce my credit card debt at a lower interest. Out of nowhere, they went out of business and transferred our loans to a company called SST Inc. My complaint with XXXX  is that meant I had TWO monthly payments unexpectedly, and in transferring to this company, my interest rate essentially doubled, which is a real problem given that I enrolled in XXXX specifically to get a lower interest rate. I called and emailed XXXX  with questions and they just refused to answer because they said they were closing. 

The larger problem, however, is actually with SST ( System and Services Technologies ). Below is a list of all of the issues Ive had with them, which includes unexpected, unjust fees : 1. I never agreed to any of their loan terms. They simply assigned me a rate and day and expected me to pay it. 
2. The emails and website look fake, like phishing attempts. I actually dont trust it, not least of all because their website doesnt have sufficient security in place. I am REALLY worried about sharing my banking info with a company that doesnt look real and that could be hacked by almost anyone. It seems to me that consumers should be entitled to just a basic level of trust in a company asking this much of them. 
3. A ton of reviews of the company says they withdraw money from your account, unauthorized, unexpectedly. This is yet another reason I dont trust them. 
4. I finally received a statement and the payment options are archaic and unfair. entering your banking information for autopay is the ONLY way that doesnt have a fee attached to the payment. ( But, based on the reviews I mention above, you can see why Im hesitant to do this. ) making one time payments online comes with a fee of up to XXXX, and making payments on the phone incurs a fee of up to {$10.00}. This is crazy. I should not have to pay an additional fee to an untrustworthy company if I am making payments on time. 
The worst part about this is that I never agreed to work with SST or willingly entered into a loan with them. I literally never would have agreed to this. It feels wrong to mislead and take advantage of consumers in this way.
Consumer complaint received 2024-10-17
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.