davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (NY)

Its been over 30 days and the creditor XXXX XXXX XXXX Account # XXXX has not updated the information nor has provided proof or documentation in regards to late payments they have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the items must be deleted from the report as soon as possible
Consumer complaint received 2024-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I was approved for a personal student loan from XXXX. Under XXXX I made all on-time payments and at this time, this loan never was reported to the credit agencies as was the understanding from XXXX when I took out the loan. Also, there was no indication in the loan documents that this loan was going to be reported to the credit agencies. On XX/XX/XXXX, XXXX transferred ownership of the loans to XXXX XXXX due to XXXX going out of business. During this transfer, I lost track of the payment cycle as my automatic payment was canceled due to the transfer. In XX/XX/XXXX, I was informed that I missed payments and I worked with XXXX XXXX XXXX to settle the account which was now under the control of XXXX XXXX, which I was never informed of this transfer. The account was settled on XX/XX/XXXX and at this point had still not been reported to any credit agencies. In XX/XX/XXXX, after monitoring my credit, I noticed this account was now showing on my XXXX credit reports and thus had a negative effect. I have asked XXXX XXXX to remove the account from its reporting and they have replied they are obligated to report it. It seems detrimental to the consumer that XXXX XXXX only reported this account once it was determined to have a negative outcome. The lack of reporting also contributed to my delinquency for payments, as I used my credit report to track my outstanding loans. XXXX and XXXX XXXX did not report this account for 20 months and it only was reported when it had a negative effect on my credit. Also when reported, XXXX XXXX put the date of closing as XX/XX/XXXX and XX/XX/XXXX and not the date when the account was settled and paid off. This business seems very predatory in that it seems to only make reports to credit agencies when it is detrimental to the consumer.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with those creditors 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 in those account to be removed.

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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-04-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (FL)

My son was a student at XXXX  XXXX XXXX  until XX/XX/2023 and rented an apartment there with 3 other roommates at the XXXX at XXXX, a student complex building. We have consistently upheld punctual rent payments throughout the duration of my tenancy. 
On XX/XX/2023 the entire complex building was sold to another company, and they consequently changed their payment portal and IT system. With the portal migration they started to have several issues to collect payment, same happened to many of us when we tried to pay the XXXX rent before it was due. 

The transition to the new portal resulted in technical difficulties that prevented us from making the XXXX rent payment on time. The interactions with XXXX staff on duty confirmed the widespread issues with the new portal, as other acquaintances encountered similar challenges. 
Upon recommendation by the XXXX staff, we endeavored to use the XXXX option to submit the outstanding payment. However, I encountered an obstacle when I went to a XXXX physical local to pay as the system indicated that the XXXX account was inactive and hence incapable of receiving payments. 
Subsequent to this, we were advised to remit a check, without specification as to the necessity of it being certified. Regrettably, we dispatched a personal check which was subsequently returned to me uncashed. 
Upon seeking further clarity from the XXXX staff, we were informed that a certified check was required. In response, we promptly sent a certified check for both XXXX and XXXX rents on XX/XX/XXXX. The certified checks were inexplicably returned to us, devoid of any accompanying explanation. Consequently, I incurred a total mailing cost of {$30.00}, an outcome directly influenced by the guidance provided by the XXXX staff. 
Seeking explanation to why my check was returned again, they informed me that the reason was due to late fees that were charged and due on my rental account throughout this entire time since the portal migration, and they didn't want to accept to acknowledge that their portal issue and miscommunication from their staff had prevented us to pay on time. Due to the late fees they refused to accept my cashier check payment that didn't include them as I considered an unfair charge. 
Debt ended up in the collection process and affected both my son and my credit score.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

1. ) If I have no bank account connected how will I be able to transfer my funds when my 180days are up on or before XX/XX/year> as stated below from last complaint.. 2. ) down below is Venmo response to my last request complaint that got answered Venmo provided me with PayPal terms and conditions about using PayPal services to gamble on any wagering fee site.. well I have information that contradicts that policy and Venmo policy since yall use PayPal rules as well ..so I have a PayPal account and debit card and have used PayPal services to gamble and place bets on wagering sites and PayPal hase yet to restrict my account and hold my funds for 180days so I dont know whats going on but if you guys are holding PayPal standards then why hasnt PayPal restricted my account. Venmo has had my account restricted for 34 days and that is XXXX XXXX  and unacceptable I havent did anything fraudulent and I want my money before 180days its my money and isnt fraudulent I demand Venmo to release my money immediately 3. ) I demand release of my money in my Venmo account immediately I have done nothing fraudulent and can not wait 180days I have become homeless due to not haveing access to my funds thats in my Venmo account I have also lost my job and car and I dont Know what else to do Venmo has ruined my life and I will try my best to get my money before 180days this has put me in a financial crisis and my health has gotten bad from this.. I demand Venmo release my money Use Policy section of the Venmo User Agreement, it states that : You may not use the PayPal service for activities that : 5. relate to transactions involving any activity that requires pre-approval without having obtained said approval. PayPal requires pre-approval to accept payments for certain services such as : 6. Activities involving gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to property/real estate prizes, casino games, sports betting, XXXX XXXX XXXX XXXX  fantasy sports, lottery tickets, other ventures that facilitate gambling, games of skill ( whether or not legally defined as gambling ) and sweepstakes,
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Open Dealer Exchange, LLC (FL)

I saw a car online and contacted the dealer they ran my credit without me being there or approving it I dont know if I was denied because I changed my mind about the car since I was denied the first time they continued to run my credit and asking my boss for additional information without me knowing until after the fact they should have talked to ME and only me not someone else and they had no business running my credit multiple times knowing I would be denied I also did not see the vehicle to approve buying it what if I had gone there and the car was not to my liking or damaged they should have asked me to come in before they continuously ran my credit! 
Not right I have witless hard on XXXX  credit score and now its XXXX : XXXX XXXX because they pushed the issue knowing id probably not get approved and did not ask me to run it more than once id like this removed as I never agreed with it
Consumer complaint received 2024-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

Here is what happened. ( see below ) Monterey Collections Services ( " Monterey '' ), functions as a comprehensive receivables management company. We acknowledge receipt of the complaint filed with your office by XXXX XXXX regarding the account with XXXX XXXX. We have reached out to XXXX XXXX who confirmed the account details including names, addresses, and the outstanding amounts due. XXXX XXXX entered into the attached Vacation Membership Purchase and Sale Agreement with XXXX XXXX on XX/XX/XXXX. By accepting and signing the attached Agreement, XXXX XXXX is bound by the terms of the Agreement and XXXX XXXX Covenants, Conditions, and Restrictions, including payment of sums due, default remedies, and credit reporting. As per the attached payment history, XXXX XXXX did not make any of his monthly contractual payments and the full defaulted balance was assigned to Monterey for collections on XX/XX/XXXX. Please note, Monterey does NOT own the debt. It is simply collecting the assigned balance on behalf of XXXX XXXX. The Rules and Regulations listed in XXXX XXXX contract outline in the event that BUYER ( XXXX XXXX ) is sent to a collection agency, specializing in overdue accounts, the collection fees of the services will be paid by the Buyer. At the time the account placed in collections, a collection fee was added to the account in an amount allowable by law and the state governing the contract. XXXX XXXX first spoke with an agent at Monterey on XX/XX/XXXX. While exploring a possible resolution, the agent inquired about transferring the balance to a loan, which would reinstate XXXX XXXX account with XXXX and allow him to make monthly payments to the loan holder without the impact of negative collections credit reporting. XXXX XXXX was advised that, should the account remain unpaid, it would begin reporting to the Credit Reporting Agencies as an open collections account. Monterey asserts the validity of the debt and balance and the right to pursue collections and is diligently reporting complete and accurate data to the CRA. The principal amount due is {$10000.00} ; Late Charges amount to {$91.00} ; Collection Costs amount to {$3600.00} ; and Accrued Interest is in the sum of {$33.00}, accruing daily. Consequently, the total amount due is {$14000.00}. However, our office has communicated XXXX XXXX concerns to XXXX XXXX, who has agreed to remove the account from collections if the balance of {$3800.00} is paid by XX/XX/XXXX. XXXX XXXX would then be responsible to resume paying his contractual monthly payments and maintenance fees to XXXX once the account is reinstated. We encourage him to contact our office at XXXX to take advantage of this offer.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Klarna AB (IN)

Okay, so I bought a pair of sneakers thru Klarna from XXXX XXXX XXXX. A 4 part payment plan.The shoes were XXXX.I returned the shoes,1 day after recieving them back to the store.They credited me back XXXX /1 st payment..I thought nothing else about it.I just knew that purchase was a done deal. Bought then returned in XXXXUntil today XXXXI see on bank statement Klarna deducted {$50.00} on XX/XX/24. 
Klarna deducted {$50.00} on XXXXKlarna deducted {$33.00} on XX/XX/24. They had the audacity to say " I " made and overpayment and paid {$160.00} when they should have never kept deducting funds out of my acct after shoes were returned.Then they said that acct /transaction /claim was closed .I asked why they couldn't put my funds back into my Acct.And they said /typed.They were sorry I made and overpayment. And couldn't reopen claim /acct, but they sent me a E-mail saying thanks for your final payment about XXXX XXXX  ago today on XX/XX/24 .I really need my $ XXXX, back in my Bank Acct, just like they deducted after item was returned.I was charged for something I dont have.On here web site with my purchase it even showsit was returned.That is there errorI really need it corrected.
Consumer complaint received 2024-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violatedand that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-08
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. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Hello, I need help with my credit please I have been trying to reach out to XXXX, XXXX and Equifax and I can't even get thru to anyone on the phone. It all started in 2022 when I was trying to get a loan, and I got denied for my credit that I never use. So, I pulled my report, and I saw a lot of addresses and phone numbers my names were all over the place. I have been sent personal information update letters and it was all 3 bureaus never sent me anything. So, I started the process in XXXX XXXX and I restarted it all over again by sending disputer letters everything that I can think of. I can't even I identify Myself something is wrong. but I am the real XXXX. How can someone just take over my credit and I can't do nothing about it. Oh and they inquiries is thru the roof
Consumer complaint received 2024-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/2024, I made a payment of {$2900.00} through my bank XXXX to Ally Financial, which I believed was a wire transfer but was actually a transfer to their account. When I called customer service, Ally could not locate my payment. After being transferred to to the Redemption Department I spoke with a manager named XXXX. He confirmed that a payment of that amount had been found but explained that it lacked a referenced Ally account number, which prevented them from applying the funds to my account. I offered to provide proof through my bank statements to verify the payment, but XXXX informed me that they would not accept this documentation and the money would remain in limbo. 

I requested to speak to a supervisor and XXXX assured me that someone would call back within 24-48 hours. However, I never received the promised call. As a result, I am filing this complaint to seek assistance in resolving this issue and ensuring the payment is applied correctly to my account or refunded.
Consumer complaint received 2024-08-09
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. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$340.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXXXXXX