davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC. (TX)

XXXX at Frost Bank in XXXX, TX called me on XX/XX/XXXX to inform me that because I filed recent complaints with CFPB about fraudulent charges being made against my account bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and seeking a refund for rent paid to XXXX XXXX in XXXX and in XXXX, TX for negligence, that they decided they no longer want to maintain the relationship with me and would close my checking account in 30 days. The result of this would generate a report to XXXX that the closure was due to my failure to properly maintain my account, when in reality I am a fraud victim who filed consumer protection complaints with a federal agency. The fact that I filed these complaints with CFPB provides me with additional protection from retaliatory closure of my account by Frost and their intent to use a fraudulent reason for closure citing my failure to properly maintain the account, when it is in fact, their failure to properly monitor my account for suspicious activity or excessive charges. They have a duty of care and must exercise due diligence in monitoring all accounts for suspicious activity or excessive charges. They never once contacted me during the period of time when the excessive charges from XXXX XXXX began to appear in XX/XX/XXXX. It is clear that Frost Bank is attempting to close my account in retaliation for my exercise of a protected right or remedy in filing complaints with CFPB in regard to the fraudulent charges made by Homewood Suites and in regard to requesting a full refund for XXXX XXXXXXXX XXXX failure to provide a duty of care and negligence in maintaining the units which destroyed my personal property, Under federal law, specifically 42 U.S. Code 12203 - Prohibition against retaliation and coercion, I am protected against Frost Bank retaliating against me by wrongfully closing my account in retaliation for filing recent complaints against the bank through CFPB in regard to these matters. Filing a complaint with CFPB is a federally protected right or remedy and thereby Frost Bank is barred from closing my account in retaliation for filing complaints with CFPB or any other consumer protection agency for a minimum of 6 months after filing a complaint. Moreover, their intent to use a fraudulent reason for the closure by wrongfully citing that I failed to properly maintain my account, when in fact it is their failure to properly monitor the activity on my account, their failure to perform due diligence in monitoring my account and their subsequent failure to inform me that excessive charges began appearing on my account inconsistent with charges made in the preceding months by the same company, that enabled the fraud to continue until it bankrupted me. I had a right to be informed by Frost that excessive charges were appearing, and they failed to perform their due diligence by failing to contact me in regard to the validity of the charges.
Consumer complaint received 2024-06-13
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. (CA)

I am writing to formally contest and dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the relevant companies, it was confirmed that an error had indeed occurred. Your bureau is legally obliged to conduct a thorough and timely investigation of disputes, including a review of all pertinent information submitted by the consumer, in this case, myself. 

Both XXXX and XXXX have already rectified the inaccuracy of these accounts on my report. Therefore, I kindly request that you take immediate action to update these erroneous accounts. A written confirmation of the correction would be greatly appreciated. Additionally, assurances were given over the phone that the accounts would be promptly updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
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)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was stunned this evening when I saw inaccurate accounts on my credit report, and I can't understand how this happened. I check my credit report regularly, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts stayed. I'm asking for the documents I've provided to be thoroughly reviewed so I can put this behind me and never have to worry about it again.
Consumer complaint received 2024-06-25
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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

I demand the late payment reported in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. 
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. 


XXXX XXXXXXXX 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 2024-06-25
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. (GA)

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

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

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 
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. 


XXXX 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 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (CA)

( XXXX XXXX ) applied for an educational loan with the federal government and was denied in part due to a collection account on his XXXX credit report which is being reported to all three major credit reporting bureaus ( XXXX, XXXX, and XXXX ). On or about XX/XX/2023 and XX/XX/2023 XXXX contacted both the collection agency displaying the information on his credit profile with the major credit reporting agencies in an attempt to discuss the bill with them. In XXXX first attempt at discussing the bill with the debt collection agency displaying the information on his credit profile he was asked to put in the reference number that is associated with the account. XXXX complied, and was then drawn into a circular series of prompts that were only willing to accept a payment amount in excess of what is displayed on his credit profile with the major credit reporting agencies and was unable to discuss the bill with a representative. XXXX then became frustrated and called the merchant, XXXXXXXX XXXX to discuss the bill with them. XXXX notified XXXX XXXX that the bill accrued as a result of security equipment that he wanted to return to the merchant. The merchant XXXX XXXX said that they were willing to take the equipment back and absolve him of the debt that is associated with the account, however they were unable to access the account with the information he made available to them. XXXX has since offered to return the equipment to a retail location, however given the nature of the issue XXXX is concerned they are not going to accept the equipment at the retail location. As a result of XXXX XXXX not being able to access XXXX account and the debt collection agency being unable to discuss the billing issue with XXXX XXXX XXXX is filing a dispute with XXXX and this agency due to XXXX XXXX reporting a debt that is not valid and being asserted only because they are not able to access his account themselves so that XXXX can return the equipment to them. They have created a situation where they are demanding an amount of money for items that qualify to be returned as they stated, but are unable to process the return given the internal technical issues they themselves are struggling with.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: M&T BANK CORPORATION (WV)

This Lender was stopped from reprocessing my Vehicle ( an RV ), because I got them satisfied but they picked my RV earlier ( repo ) than they agreed, and in the process of driving/towing moving my RV they they ruined my RV. I got it back because it was drivable but ... I did not realize they damaged it so severely but they did ... .The wheel came off at XXXX MPH and destroyed the rear axle, I then SAID I DO NOT WANT THIS ITS RUINED They take it and have had it since XXXX, no auction yet they say its awaiting ( Fixed or Still Damaged ) They Send me this email..telling me I still owe the entire amount of the original contract on a vehicle they rendered worthless. Below is their email to me. No auction I want an almost as nice RV as I had before they ruined it, or all of my over {$30000.00} already paid to this Bank, and my credit rating corrected. 

Installment Loan Collateral : XXXX XXXX XXXX repossessed/at auction Status : charge off Good afternoon XXXX XXXX XXXX Please be advised that my records indicate this collateral was repossessed XXXX/XXXX/XXXX, and is at auction awaiting sale. Your current balance is {$31000.00} good through XXXX/XXXX/XXXX with a daily per diem of {$6.00}. 



Please contact me directly @ XXXX if you have any further questions or concerns. 



Thank You, XXXX Last name removed XXXX Last name removed XXXX XXXX XXXX XXXX XXXX XXXX Management Dept. 

XXXX XXXX XXXX XXXX N.Y. XXXX Phone # XXXX ext. # XXXX Fax # XXXX email : XXXXXXXXXXXX M & T Bank- '' Understanding What 's Important. ''
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with ( CAPITAL XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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 XXXX ) 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 2023-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I established a Bank of America Credit card to take advantage of the zero-interest balance transfer promotion they were offering. The first payment I made to the credit card went through with zero issues. Fast forward to this month 's payment which was due XX/XX/XXXX and I log in to make the payment XX/XX/XXXX only to find that I MUST enroll in online banking AND re-establish my account to draft the payment from. That portion didn't bother me much as I know online portals update. The part that made it extremely difficult was that they had to re-verify my checking account to make the payment ( as of XX/XX/XXXX it is still not verified because I have to report small deposits made as of XX/XX/XXXX FIVE days after attempting to make payment, and I am still unable to pay my bill ). I reached out to the Bank of America Chat immediately on XX/XX/XXXX since I knew my bill was due soon and had not experienced this when I made the very first payment the month prior. The rep told me that Bank of America would " honor '' my payment at the time it was made online even though the account had not been verified yet ( which was a lie-because it never allowed me to submit a payment since the account isn't verified ). I asked for alternate methods of payment since I was having issues online. I was provided in the chat with an XXXX number ( thankfully I saved in my phone ) and was not provided anything else other than " you can stop by a branch ''. I ASKED for the communication to be sent to me for future reference and was told they could not send the chat over. I was also told that they could not send me anything in writing listing out the other ways to make payments. I believe their practices fall under UDAAP because they do not clearly indicate how the payment process works. If they change how payments are processed/set up they have a responsibility to communicate that to their customers. Thus, creating a lack of understanding of how they operate and abusive practices by creating a stressful situation where someone may be trying to pay their debt and then end up with late fees, etc. They also try to FORCE you into signing up for estatements which is not a good option for all people.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Can you provide me process of verification on the XXXX late payment for XXXX XXXX  I disputed which means I wouldve been late XXXX & XXXX. The late payment is in relation to a computer error on XXXX  end also I spoke with XXXX  they agreed to update it and never did so I called back and asked them to listen to the conversation they told me they no longer have access to the conversation. How was this verified? Please update asap!! I also attached the XXXX payments showing theres no late fee so how could it be a late payments. I want this late payment removed off my credit report because its violating my consumer rights and also inaccurate.