davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (IN)

XX/XX/2021 When I log into experian to unfreeze my security to make a purchase I get bombarded with purchase options. The link to unfreeze has been removed. I contacted chat support just 5 minutes ago and was told to go to experian.com/freeze. It redirects me after logon to the same pages that keep throwing their sales tactics in my face. They should not be permitted to block my ability to protect my security. Even their staff can not help me find the path to unfreeze. I can purchase credit freeze and that will give me the option. I can see that I am supposed to have the free ability to unfreeze my security, but there is no link to do so. I need to purchase contact lenses and can not do it because this fraudulent company only cares about stealing money through worthless purchases, which I am not going to do. I want the ability to control my security. They have no right to take that control from me. 


| Chat Support Remember : To protect the private nature of your personal information, please do not share social security numbers, credit card numbers, etc. via chat. 

Please wait while we transfer your chat to the next available agent.XXXX  is your new agent for the chat session. 
XXXX XXXX, who do I have the pleasure of chatting with today? 

When I log into experien I should be able to freeze or unfreeze my credit. You have hidden or removed that option under an bunch of XXXX sales. 
XXXX XXXX XXXX Thank you, XXXX. I am sorry but what did you purchase, please? 
XXXX XXXX  XXXX XXXX on your site. I don't want anything this ripoff company has to offer. 
XXXX XXXX  I want to unfreeze my credit and that option does not seem to be available unless I purchase something and that is illegal. 
XXXX XXXX XXXX I do not see a purchase that you have made on our website and I understand how you feel but like all companies, we are offering free services as well as paid, it is always your choice. 
XXXX XXXX XXXX where is the credit unlock?????? 
XXXX XXXX  XXXX Security Freeze is for free members and CreditLock is for paid members, you have a Security Freeze. I understand you would like to remove your Security Freeze. In order to complete this request, you will need to go online to www.experian.com/freeze. For security reasons, I am unable to complete this request via chat. You will also need to contact XXXX and XXXX, if you have set it up with them. They can be reached at : XXXX XXXX XXXX XXXX Please copy and paste the link above into a new browser or TAB and select Remove or Lift a Security Freeze. It is Free. 

XXXX XXXX Me I am logged into experian, but the only options I have are to purchase XXXX XXXX
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2021 I reached out to Portfolio Recovery Associates and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

at this point Im stressed and cant believe Over 90 days ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery makes numerous harassing phone calls to me about a debt that is past the statute of limitations in WA state, the debt is over XXXX yrs old and is no longer recoverable. 
I have informed them of this and asked them to please stop calling me, and they will not stop, and call my number sometimes several times a day. 
I am also XXXX and these harassing phone calls meant to intimidate me are affecting my mental health.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. V Gravens ( mo. ) 281 SW715.719 I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove all accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX balance {$5800.00}, XXXX XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX balance {$1500.00}
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

This relates to JPMorgan 's Chase consumer bank. 

We have accounts at a number of banks and we make sure we cover items if we cover overdrafts. 

We would use XXXX to immediately get funds from one bank to the other.

Recently, we have been getting Chase overdraft charges for pending vender charges ( as reflected by Chase online ) that had been covered by XXXX transfers from our XXXX XXXX XXXX account. 

We moved money between these two accounts frequently so these it was a known transaction and never subject to a reversal. 

So, when I made the XXXX XXXX XXXX side of the XXXX transfer, within minutes the transaction was reflected as a reduction in funds and as completed ( that is not pending ). 

On the Chase side, the transfer was shown as clearing the amount of the overdraft ( that is my Chase checking account balance was positive ). Both the vendor charge that created the overdraft and the XXXX transfer was listed as pending. 

After midnight the vendors charges were changed from pending to posted ( the to the prior day ) while the XXXX charge remained pending. The XXXX charge was then posted the next day by Chase while XXXX  XXXX XXXX had posted the transfer the day that it was sent ( the prior day ). Since the XXXX transfer was not posted on the same day sent to Chase, this allowed Chase to charge {$100.00} in fees. 

This happened on back to back days and caused a domino effect with some automatic debits ( like a XXXX subscription ) being assessed a {$34.00} charge. 

The issue is that Chase both backdates posting of vender while future dates posting of XXXX transfers. 

In three days over the last two weeks, this methodology was used to take over {$250.00} in fees from my account, when at all times, funds were covered before the required time the evening before. 

I have no recourse to dispute and have the charges removed and they are paid for by my Social Security deposit despite my objections I think this is outrageous.
Consumer complaint received 2021-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

I have used this company for years. I recently fell on hard times and have not been able to pay my loan. I paid one loan of Iver XXXX for furniture. When I went to make al payment I was told due to default, I now owe interest for 2 years which was over 2400. No forgiveness due to covid-19 or job loss due to being on medical leave. They also harass my friends and recently found a sister if mine and now harass her. Today I got a letter for right to cure. I plan to file bankruptcy.
Consumer complaint received 2021-11-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from Ally Bank. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Ally Bank has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Ally Bank has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations holds Ally Bank criminally and civilly liabel. Attached to this complaint is the adverse action form from Ally. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Ally Bank to move forward with this complaint.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, 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. (AZ)

This is for the past issues I submitted regarding my consumer report. That Transunion failed to investigate 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ) as to my last complaint regarding the improper use of my credit card information using my social security number and other identifying data used containing my consumer report, has not give me proper notice under 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ) 1016.7 Form of opt out notice to consumers ; opt out methods 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files, I gave Transunion written instructions under title 15 usc 1681b2 and has failed, nor have i received documentary evidence under 15 usc 44 of the investigation consumer report as defined in 15 usc 1681a ( a ) ( 1 ) ( e ). under 15 usc 1681a ( 2 ) ( i ) is questionable as well
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (FL)

Here are the details of the case : I signed up the Amex card based on an offer at XXXX Amex 's payment process that they ask for my bank account and routing numbers to withdraw from my account. 
However, XXXX blocks that payment because the Amex Payee ID is not approved by me. That is standard process at XXXX ( else anybody can fraudulently withdraw from my account ) There is no way for me to pre-approve the Payee ID because the Payee ID is not clear to anyone Amex has two different Payee IDs - 1 ) Auto Pay Payee ID and 2 ) Regular payment ID.

BOTH these payee IDs have to be rejected ( i.g. Payment returned ) before I know the Payee ID can be approved by XXXX and regular payment processing can happen This is exactly what happened i.e. the payee IDs were approved and now the payments are going through fine. 
I got a call out of the blue by an Amex rep on XX/XX/2021 at ~XXXX XXXX EST saying that they are going to shut my account down after a financial review. The rep was hesitant to explain what the underlying issue was I had to ask him why and then he explained that it was because the payments were returned I had explain the payment returned issue because of the Payee ID ( outlined in the above points ) He then said he can review with his supervisor and hold the account being closed but the charges can not be made I had explain to him that this card is linked to on and on file for many critical needs and you can't just call up someone out of the blue and just shut someone's card down without giving an explanation. This is like shutting down your electricity He put me on hold and then went back and then said that the charges can also go through now I am not sure what process Amex is running in their back office and customer service operations.
Consumer complaint received 2021-11-06
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: I.C. System, Inc. (PA)

I am very upset with this issue. I sent a letter to the collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (DC)

My personal information was stolen resulting in an alleged false accounting of debt ( s ). I have sent multiple letters to have this information corrected and have completed a complaint with the CFBP on XX/XX/2021 as well as a complaint with the Federal Trade Commission on XX/XX/2021. I have also filed an identity theft report with the police.
Consumer complaint received 2021-11-06
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. (OK)

A few years ago I became aware none of the 3 major credit reporting companies show my XXXX XXXX XXXX XXXX XXXX credit card on my credit reports and it is not being included in my credit score. 
I filed a complaint with CFPB and received a telephone call from a high level secretary informing me they were looking into the matter. 
I never heard back from them and called and left voice messages several times to that secretary to no avail. None of my calls were ever returned. 
As best as I know CFPB closed the complaint and I have nothing saying why. 
I have had this gasoline credit card account since the 1980 's and it would be helpful to my credit score to have it being reported. To my knowledge this account should be being reported monthly. As far as I am aware I have never missed a payment or paid late. 
I recently received a promotional offer from them which makes it clear they consider this card to be a credit card. Even my statements indicate this is a credit card. 
It appears that XXXX XXXX is performing all the processing for this credit card yet they do not report to the credit bureaus. 
I would appreciate knowing if there is something that I need to do for this account of mine to be reported to the credit bureaus or if I am under some sort of misunderstanding. 
If they should be reporting yet are not, what needs to be done to have them report.
Consumer complaint received 2024-08-23
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. (IL)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2021-11-06
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: EQUIFAX, INC. (MD)

XXXX has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX
Consumer complaint received 2021-11-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: EQUIFAX, INC. (NY)

I am in full litigation with this collection agency in regard to this alleged debt. I have asked the consumer reporting agency to validate and verify the alleged debt and they have not provided me with the names, addresses or phone numbers they used to investigate and validate this alleged debt. I have a law firm representing me and we are in full litigation in regard to this account. They violated many of my consumer rights and they continue to do so by continuously reporting this non accurate information about me to consumer reporting agencies.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (GA)

Please respond to my complaint. I am authorizing that I am XXXX XXXX XXXX. Please do not mark this as a duplicate. I sent XXXX, Equifax and XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries and the method of verification to be sent to me. I have attached the FTC ID Theft Report & proof of service. The FTC ID is # XXXX. 
As of today XX/XX/2021, I have not received any proof of validation or any written Method Of Verification from XXXX. I have fully investigated my rights in this matter. This is in violation of my consumer rights under Section 611 ( 6 ) ( a ) of the FCRA, which states that a consumer reporting agency shall provide written notice to the consumer of the results of the reinvestigation no later than 5 days after the completed reinvestigation. It also violates my rights under Section 611 ( 7 ) of the FCRA that states a description of the reinvestigation procedure shall be provided no later than 15 days after receiving a request from the consumer.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had fraud on my account many years ago. I was a victim of identity theft. Transunion no longer allows me online access to my account. FOREVER. The other agencies ( XXXX XXXX ) froze my account until the fraud was resolved then allowed online access again, not Transunion. They said they are protecting my information but in fact, are making me a victim again. They are limiting my access to my own information. And here is the worst part, I can still access the account by calling them, so they are not protecting the information any better by locking me out of online access. What they are doing is requiring me to sit on hold and punch codes and wait and take 30 minutes to do what I could have done online in minutes.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BofA ) is engaging in a misleading and unfair business practice by inaccurately treating timely remitted credit card payments on the statement due date as delinquent, thereby subjecting the account to unwarranted " collection status '', late fees and interest charges. 

BofA 's unilateral time shifting technique is a significant generator of unearned revenue from its cardholders and windfall increases from across its customer base, by imposing both late fees ( e.g., {$25.00} to {$39.00} ) and penalty interest charges ( e.g.,18.24 % to 29.99 % APR ) to consumer accounts. 

Specifically, this subterfuge is accomplished by BofA 's disregarding and invalidating the local time at which payment is made ( if outside the Eastern Standard Time zone ). For example, a cardholder for an account based in the XXXX XXXX area, who timely remits payment in full for the statement balance at XXXX ( PST ) on the due date, will be automatically debited by BofA for an unjustified late fee and penalty interest charge on their next billing statement, even though payment was verifiably timely remitted in the ( non-EDT ) time zone where the cardholder resides. 

Additionally, BofA may incorrectly report the timely payment as delinquent to consumer credit reporting agencies, thus misreporting their payment history and damaging their credit score, credit worthiness or standing to lenders, rental housing providers and others who may use such agency information and rely in their accuracy and completeness.

Please note on the attached BofA current credit card statement the words " Payment Due Date '' ( highlighted in yellow ), which includes no written reference to a specific time ( geographically somewhere else ) by which such payment must be received in order to avoid late fees and penalty interest. A reasonable person would intuitively interpret the stated payment deadline as up to XXXX on the due date in the cardholder 's time zone ( where BofA 's statements are respectively mailed ). Indeed, there is no objective basis for any other presumption, imputation or good faith rationale. 

BofA can easily cause its bookkeeping software to accurately log payments according to local time, as other credit providers routinely do. Local time payment validity has been BofAs longstanding policy, and the opportunism cited here is a recent policy departure from a more honest and conscientious standard. 

Of course, BofA can correct its misbehavior seamlessly, as it already knows the cardholder 's identify, the time zone where the cardholder resides, and the precise moment when payment is being made in the cardholders time zone. It is simply choosing to ignore it to gratuitously increase its own corporate revenues at the expense of consumers.