davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with XXXXXXXX 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 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. 


XXXX 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 2024-08-19
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX inquiry ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (FL)

I took out a personal loan with Three Sticks Lending. I was in a desperate situation when I took out this loan. My credit score was not bad at the time of the loanit was in the high XXXX. I asked about the interest rate and they never gave me an answer, and still asking about the interest rate. They only give the APR rate of 597.01 %. 
Once, I realized the mistake I made with this loan so I am asking questions. 
I asked whether this loan exceeds usury laws for the State of Florida. 
This was not a payday loan instead an installment loan. Amount loan was {$500.00}. Interest monthly is {$240.00}. 
No part of the payment goes to the principal. Their Rep told me it is both a payday loan and an installment loan. While paperwork shows installments.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (MO)

I was informed that my XXXX minor daughter was served papers indicating that, I am being sued. 
Upon reviewing the validation of debt included in the packet, I noticed there was an address that I have never resided at and have no knowledge of the address. I then contacted the debt collection agency that is suing me to inform them that I had no knowledge of this debt prior to receiving the court summons because I never lived at that address they started collection practices and wasnt given proper time to ask for debt validation, report identity theft, contact credit bureaus and/or take other actions due to the fraudulent information being reported to avoid a lawsuit for debt that isnt mine. The representative said they would send a fraud packet but wouldnt stop collection on several fraudulent accounts in their office the agent informed me of. I have sent letters within the last 30 days to every account that is listed on my credit report connected to this address that is a result of identity theft. I have also sent letters o the credit bureau asking them to stop reporting incorrect information on my credit file because it was causing my family and I a hardship. 
I also do not owe this debt collection agency these debts, I never signed a contract with the creditors nor the debt collection agency as well as it is reporting on my credit file twice as charged off by original creditors as well a second time by this debt collection agency under three different names for each debt they said I owed.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

I am writing this complaint to Sagestream. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc.

They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy.15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (TN)

I have filed a police report and ftc report that's included in my uploaded documents pertaining to these fraudulent inaccurate unauthorized accounts by the fcra states that unauthorized fraudulent accounts an address has to be deleted immediately in a timely manner also as required by the FCRA S 605b ( 15USC S 1681c-2 ) which states to be deleted in 4 business days please delete XXXX XXXX XXXXXXXX Account # : XXXX {$21000.00} date opened XX/XX/year> Account # : XXXX amount {$20000.00} date opened XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

I recently moved to a new home and using my online access through HuntingtonXXXX, I updated my bank accounts to this new address on XX/XX/year>. On XX/XX/year>, I enrolled online in XXXX so that I could submit a payment to a recipient in California. I received a message indicating my XXXX enrollment was successful, another email indicating I updated my XXXX recipient list, another email indicating my XXXX payment ( amount = {$1000.00} ) was sent and finally the last email that my XXXX payment failed. 

At this point I started receiving error messages while trying to access my account online so I called the general customer service number ( XXXX ) at Huntington. I spoke with a representative named " XXXX '' who told me that my account access was restricted because it was suspicious that I changed my home address and made a XXXX payment within a short period of time. He further stated the only way to removed the restriction was for me to visit a local branch. I told XXXX this was not possible as I now live in the XXXX, AZ area and the closest branch is 2,000 miles away. XXXX then said there was a branch in the XXXX, CO area that I could drive to that is closer than 2,000 miles. XXXX is approximately 850 miles from my new home and almost a 13 hour drive! He said there was nothing he could do as this was Huntington 's policy. 

I followed up with another call on XX/XX/year> and spoke with " XXXX '' and her supervison " XXXX. '' They both also said that my only option was to visit a Huntington branch location. 

I have now lost the ability to access all of my accounts at Huntington. This includes the ability make transfers, see account history and access bank statements to name just a few. Even though their system authenticates me by my mobile number when I call and asks for me to enter my secret PIN that I previously setup, they will not provide another option for me to unlock the restriction on my online access. They even sent a code to my mobile number for me to read back to them. 

I feel this unfair and abusive on Huntington 's part to restrict my access when I did nothing wrong on my part by engaging in normal activities ( updating address and engaging in an ecommerce transaction ). I am not able to drive 13 hours, nor should I have to, to unlock my online account access for transactions that I confirmed I made.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2024-07-08
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. (AZ)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2024-08-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CT)

I had a high-yield savings account opened with Marcus by Goldman Sachs on XX/XX/XXXX, which was then closed on XX/XX/XXXX, afterI had already linked and deposited {$1000.00} from my original bank account. When I tried calling customer service, they refused to give me any explanation behind the account 's closure. After severalattempts to call them regarding getting the money back into my original bank account, I still never receivedmy funds. As I didn't urgently need my funds at the time, I hadn't followed up. Last month, however, I had a family emergency that requiredme to travel for XXXX weeks and prior to leaving, I contacted them on XX/XX/XXXX to see if the funds could be transferred back into my original bank account and was told to follow up with them at another time. On XX/XX/XXXX I contacted them again, and was told that they would mail a check to my address, and that it should be receivedwithin XXXX business days. As I was traveling at this time, I was not able to check if my funds were mailed to me until I arrived on XX/XX/XXXX and contacted them as I still hadn't receivedthe check. They stated that instead, they would reopen my account in XXXX business days after the review team has calculated the accumulated interest since theaccount 's closure, and to follow-up with them on XX/XX/XXXX. I contacted them yesterday ( XX/XX/XXXX ), which is when I should have receivedan update regarding the reopening of my account, and yet again, still there is no update regarding if or when I'll be able to receive my funds, as they refused to provide any estimated timeline as to when I may expect my account to be reopened. Several attempts to speak with both customer service and specialists have been unsuccessful.
Consumer complaint received 2023-09-14
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. (MI)

In accordance with the Fair Credit reporting act XXXX XXXX, Has violated my rights. 
15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (MD)

Dear CFPB, This complaint alleges that the Department of Education XXXX DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors.

Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates.

Unnecessary Stress and Anxiety : The DOE 's collection practices have caused me significant stress and anxiety due to the uncertainty surrounding the debt and its potential consequences.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

Wells fargos denied my doordash claim of XXXX XXXX  the claim number is XXXX They never asked for my evedince doordash admited to not delevering my order they did not properly investagate this i can prove they never delevered my food
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (CA)

XX/XX/XXXX i received a hard inquire from a company... called ONE MAIN FINANCIAL I contacted them ... left voicemails ... ... XXXX response i dont own or have any business with this company. 

I HAVE been trying to contact these guys for the last 2 months ... no one has gotten back to me
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-14
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. (IL)

I contacted the credit bureau to notify them of 2 fraud accounts reporting on my credit report, sent them proof of identity, and ftc report. they continue to report false information on my credit file. They also gave access to my credit report to the following companies below without my consent : XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX  on XXXXXXXX XXXX XXXX on XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I started getting collections calls for accounts that I had never opened and after checking my credit report at each of the XXXX bureaus I found fraudulent accounts on all of them. So I filed an identity theft affidavit with identitytheft.org and filed disputes at each of the XXXX bureaus attaching the identity theft report to each of them. However, when they brought this fraud to the attention of these creditors they simply turned around and said the information was verified as accurate. Which kinda blows my mind, of course it will be my correct info. THATS HOW MY IDENTITY WAS STOLEN! 

I submitted these disputes multiple times and each time was told the info was verified as accurate. From my understanding, submitting the identity theft afidavit is all I needed to do to get the fraud removed from my credit reports, only to this day these fraud accounts are still destroying my credit making me unable to use my credit at all. 

The only credit I ever took out in my name was from XXXX XXXX, XXXX auto loans, XXXX credit card, and XXXX line of credit. Other than that I had XXXX credit card with XXXX XXXX. THE REST OF THE ACCOUNTS ON MY CREDIT ARE FRAUD.
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Computer Credit, Inc. (MO)

Since XX/XX/XXXX I was working with XXXX XXXX in an attempt to get financial aid. I was pregnant and new there would be a balance that I couldnt pay. In XX/XX/XXXX of this year I was approved for 100 % financial aid. On XX/XX/XXXX, I received a letter from Computer Credit Inc a collection agency fir the debt. I took a copy of my approval letter that day and sent it to them. The financial aid covers all past due balances and medical expenses for a for the next year. On XX/XX/XXXX Computer Credit inc sent two more collections letters. I received them today XX/XX/XXXX and immediately sent out 2 more letters with the approval for financial aid.