davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (TX)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMO Bank, N.A. (AL)

This is the law so i need them to reverse every late payment bank of the west ever put on my report and i want a check for every late fee they charge because i know the law ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.

( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is stressing me out, my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Consumer complaint received 2024-09-27
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (NY)

i switched cellphone providers in XX/XX/2023 from XXXX XXXX however they continued to bill me for usage after that date i contacted them by calling the customer service number and made payments to cover the last remaining charges due. XX/XX/XXXX for {$110.00} then again XX/XX/XXXX for {$33.00} and XX/XX/XXXX {$60.00} after that date i did not receive any more correspondence from XXXX XXXX. 
then out of the blue i get a collection letter from XXXX XXXX XXXX XXXX XXXX saying i owe {$150.00} on XX/XX/XXXX and then " XXXX XXXX '' on XX/XX/XXXX saying i owe {$150.00}. i called XXXX and they transferred me to maury cobb the lady that came on the phone immediately said how do you want to pay this debt. i said this is incorrect send me the itemized bills from XXXX to current date. they only sent me the last bill XXXX generated in XXXX of XXXX with an amount due. nothing else listing what these charges are for. 
the put a collection notice on my credit report and have not contacted me in any form. its like they know this small amount is a " nusiance '' to me but not worth them coming after me so that i will have no choice but to pay as it is hurting my credit
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America is not complying with the Fair Credit Billing Act in terms of representing its customers who file chargebacks based on billing errors, dissatisfactory services, and misrepresented products on their Bank of America credit cards. I have multiple examples to prove this. Bank of America does not take chargeback claims seriously in comparison to other major card issuers. Bank of America uses many tactics to offset its lawful responsibility to handle chargebacks seriously. A few of these tactics are to not acknowledging documentation they receive from their consumers ( I.e they ask for supporting evidence, and then never acknowledge receiving the evidence ) or putting undue onerous on the consumer to provide documentation when they have reasonable means to capture this information on their own from a merchant ( i.e, double charged in a restaurant, lost the receipt, and they would not pursue the claim ). 

Bank of America is likely doing this to reduce its internal expenses in administering the chargeback process on behalf of its customers.
Consumer complaint received 2024-09-27
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. (TX)

There are inaccurate inquiries on my transunion credit report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling & Associates, LLC (WI)

I received a voicemail stating that I had criminal charges pending against me so I called the number and when I look the number up afterwords it says that its a scam anyway they wanted me to pay a settlement in three installments starting in XXXX XXXX, and XXXX and they directed me to another group claiming to be sterling and associates. The first number was XXXX XXXX XXXX  Which is supposedly an attorney anyway they took my credit card number they sent me a doc you sign which I never signed. I contacted my local police department after calling my bank and canceling my card and the sheriffs department advised me to contact you I have a case number. XXXX from the XXXX XXXX XXXX department here in Wisconsin XXXX The first number given to me was XXXX extension XXXX with the name XXXX XXXX. She stated she was from XXXX XXXX XXXX then I was sent over to Sterling and associate and that number is XXXX, extension XXXX, and the womans name was XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (CT)

THIS COMPLAINT IS TO PUT THE CFPB ON NOTICE OF MY BILLING ERROR NOTICE TO NAVY FEDERAL IN WHICH THEY FAILED TO RESPOND TO ACCRODINGLY AS STATED IN THE LAW FOR RECORD PURPOSES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NAVY FEDERAL YOU HAVE BEEN PUT ON NOTICE UNDER A BILLING ERROR ON MY CREDIT ACCOUNT WITH SPECIFIC LAWS THAT GOVERN YOUR OBLIGATION TO PERFORM. YOU HAVE RESPONDED WITH MARKING MY CREDIT PAST DUE AND DOUBLING THE AMOUNT DUE. THE LAW ESPICIFICALLY STATES ONCE A BILLING ERRE DISPUTE IS EXPRESSED COLLECTION ON THE ACCOUNT SHALL CEASE UNTIL THE ISSUE IS RESOLVED. IF YOU FRIVILOUSLY SHUT MY ACCOU T DOWN DESPITE RECEIVING NOTICE OF A BILLING ERROR AND NOT RESPONDING TO IT ACCORDINGLY YOU WILL LIABLE FOR STATUTORY DAMAGES AND WILL RISK FORFITURE OF COLLECTING ANY RECEIVEABLES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -IF THE PERSON ADDRESSING THIS COMPLAINT HAS NO KNOWLEDGE OF THE LAW PLEASE FORWARD THE COMPLAINT TO " XXXX XXXX XXXX WHO DOES BECAUSE IGNORANCE OF THE LAW IS NO EXCUSE TO VIOLATE IT AND CAN RESULT IN MATTERS ESCALTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PLEASE ADDRESS THIS MATTER PROPERLY WITH NO BOGEZ LETTERS NOR MINIMUL EFFORT. THANK YOU KINDLY.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am writing because MOHELA is having significant issues in handling my XXXX XXXX XXXX XXXX. 

My Award message was sent to MOHELA XX/XX/23 - after XXXX days, the request was cancelled because that is XXXX ' policy. MOHELA did not process the request to make the payment. And now, MOHELA will not explain why they did not open or process this information. 

I called in XXXX to verify the correct address to send the XXXX information. The XXXX hotline told me that all loan service providers should have an XXXX Admin who knows how to process these kinds of unique circumstances. MOHELA has denied the existence of one and refused to give out any contact information for an individual person to contact with this. They did give me an address, which I conveyed to XXXX, and that's where it was sent. 

Now that MOHELA is being asked to say why they didn't process things in XXXX  days, they still will not provide an email to a person for XXXX to work with. A person has to submit a letter stating why it wasn't processed in order to reissue the payment. In the meantime, my Award has now expired- which means that if MOHELA does not explain why they didn't do their jobs, I will lose my entire Education Award for my XXXX XXXX XXXX XXXX XXXXXXXX. 

I have called MOHELA repeatedly, even had a three-way call with XXXX  and MOHELA, and have routinely be ghosted by being sent to a 'supervisor 's line ' and then I either have the phone ring indefinitely or I am told someone will call me back, but that has only happened once. Their processes and wait times are ridiculous and they are showing ineptitude at every turn regarding servicing loans for the Department of Education.

MOHELA also said they would conduct an investigation, stating XXXX business days to complete it. This was on XX/XX/23 and they have not completed the investigation yet nor have they said why they haven't completed it. I was just told that it 'was n't finished yet. '
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Duvera Billing Services, LLC (CA)

I called Easypay Finance today XX/XX/XXXX at this number XXXX. I told their support person that today on XX/XX/XXXX, my account was drafted for {$100.00}. I asked Easypay if they could see this amount being drafted at the beginning of every month. 

They could not see it. They told me that my account is current -- and that it is on schedule every month on the XXXX for {$130.00}. I can see on my checking account for XX/XX/XXXX for {$130.00} that it was drafted. It appears I am holding my end of the agreement. However, they could not answer why or where the {$100.00} being drafted is coming from. 

The person over the phone confirmed they could not see any late payments. 

The person over the phone could not tell me why the drafted payment of {$100.00} exists nor could they see it. They recommended I e-mail XXXX. I asked kindly if I could please have a phone number to ask about this. They could not provide a phone number. 

Every beginning of the month, I am constantly drafted an additional {$100.00}. In addition, I received a text message from " XXXX '' to my phone number at XXXX today saying " XXXX : [ name ] your XXXX XXXX acct was due XX/XX/XXXX. Pay now at my.easypayfinance.com or call XXXX. '' This is contradictory to what the folks on the telephone have told me. This is also contradictory to what my checking statement says on XX/XX/XXXX showing the drafted payment of {$130.00}. 

I am shocked. My account is current and Easypay Finance are unable to tell me where this amount of {$100.00} is going. I have e-mailed XXXX today and have not received a reply yet, however I am very concerned and I wanted to let CFPB know this is not good business practice. I should be able to call someone over the phone about this and have this clarified immediately. 

XXXX regards
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I called Bank of America to get info about the status of my account and the available balance in order to re-activate my account if needed. They asked for XXXX number i provided the number and also the issuance and expiration dates. As well as passport number used during onboarding. As they indicated if you provide these information we can verify your identity and provide you all information request you required. But after providing they said we can not reach your account and then they said we could not verify you. I asked to get a case/ complaint number they refused but later they provided the case number which is XXXX. Please listen to the recorded call at XXXX XXXX XXXX XXXX time to find out how they refused and all the needed info were provided. I am willing to go on video call/face time to verify my identity if needed since i am outside the US currently .
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services (IN)

I received a letter from Viking Client Services ( debt collector ) on XXXX XXXX regarding a balance due on creditor XXXX XXXX XXXX XXXX : {$270.00}, with no explanation to charges. This is the 1st letter I have received or contact regarding this amount due from XXXX XXXX XXXX  Viking Client Services Debt collector. 

On XXXXXXXX XXXX XXXX I rented a vehicle via XXXX from XXXX XXXX. I paid for my rental at the time of service with my credit card on XXXX XXXX XXXX  as noticed by the receipt and invoice of the amount listed : {$370.00}. See attached documents. 

This letter is fraudulent and their collection practices are in violation of the Fair Debt Collections Practices Act under Sec. 806 and 807 of the act, including corporate fraud, consumer fraud and management fraud. 

XXXX XXXX XXXX XXXX and Viking Client Services are behaving in fraudulent management activity to defraud customers and in violation of Federal Law.