davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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)

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX Account Number : ending on XXXX Also this account was delete and re inserted i have letter proof open attach.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have formally disputed inaccurate information and it was re-investigated by XXXX Experian and XXXX with account number XXXX, XXXX and account number XXXX XXXX also account number XXXX XXXX XXXX XXXX and as a result from those disputes the company falsely claim that accounts was verified I received a message from the CFPB with this information as response from company I have provided proof and is asking that these illegally accounts be removed and deleted from my credit profile immediately as it is in violation of the fair credit act it is inaccurate and has effective my credit worthiness please follow the rules and delete this in accurate account
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (VA)

My father had a Coinbase account with his wife listed as beneficiary on the account. After his passing, I uploaded a death certificate and his will and requested the transfer be made to his wife. Coinbase repeatedly asked me for additional documents and a probated will from the state of XXXX. Every time I reply that the beneficiary was added to avoid probate, Coinbase continues to respond with their unnecessary document requests. Multiple times I have asked them simply to confirm their policy of if an account has a listed beneficiary would they still require the estate to go through probate and they ignore that question and respond only with the same document request. This has now been going on for two years while they unlawfully withhold assets from my late father 's wife. I have requested calls from the company and they will not comply. I forwarded a formal complaint directly with them and they simply responded with the same request for documents. My father held all of his eligible assets in joint tenancy with rights of survivorship with his wife, and for any accounts where that was not possible, she was listed as beneficiary. This was done specifically to avoid probate and Coinbase continually is requested a probated will when it is not necessary.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BMO Bank, N.A. (GA)

On XX/XX/XXXX i walked into the XXXX XXXX branch i applied for a business credit application with XXXX XXXX. XXXX took my business credit application without even putting in my business information income and said I was denied. I believe XXXX was discriminating against me, because I am a XXXX woman. I have a XXXX XXXX XXXX and this unacceptable. I will be filing a lawsuit against XXXX XXXX for discrimination if this situation is not corrected. I have already reached out the FDIC for clarity on this issue. I look forward to hearing from someone soon.
Consumer complaint received 2024-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

I have XXXX medical bills that entered collections while I was working on the road and did not receive the mail informing me of them. These medical bills were supposed to be covered by my insurance but when insurance failed to do so they were sent off to collections. I tried negotiating for them to take it off my credit report in exchange for a payment plan, due to being unable to pay these bills. They did not want to set up a payment plan and refused to take said bills off my credit report and stated my insurance will not cover the bills even if they provided me the original information. I feel with these being medical and insurance failing to do their part I am not responsible for this debt that has accured. I tried disputing as well through my credit service and the request was denied.
Consumer complaint received 2024-06-21
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. (NY)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX, I purchased a sofa, loveseat and recliner from Ashley Home Store. Due to our height and age, we meticulously searched for the most comfortable set and finally decided on on group. Since Ashley only has display furniture, our furniture had to be ordered and wasn't delivered until XX/XX/XXXX. On XX/XX/XXXX, my husband visited the store and talked with the sales representative, explaining how hard and uncomfortable the furniture was to sit on, and actually invited the sales representative to visit our home to see for himself. Of course, he declined and said we would need to contact Customer Care which I did on XX/XX/XXXX, through a chat session and was given Ticket # XXXX was issued. On XX/XX/XXXX, after hearing no response, I again contacted Customer Care and was advised to take pictures and email them as they wanted to be certain there was no damage to the furniture. The furniture still has the tags on as no one wants to sit on the furniture. In fact, we have turned the furniture around so the seats are facing the walls and thus no one will sit on them. The furniture is still in the original condition with the tags, but it is not the same quality and comfort as the display in the store. On XX/XX/XXXX, the pictures were emailed to XXXX as requested. On XX/XX/XXXX, after hearing nothing further, I again contacted Customer Care and spoke with XXXX who said the seat cushions were to be replaced, but I asked about the back of the cushions also as they are just as bad. He said he would need to check further and get back to me. On XX/XX/XXXX, after hearing nothing, I again attempted to call XXXX, but was advised he was on the line with another customer and would call me after the current call. No reponse, so I attempted to contact XXXX again. After multiple attempts, Ashley Furniture continued to ignore and honor our Sales Contract. I then contacted Synchrony regarding the Breach of Contract, and they opened a dispute. Later, I was advised by Synchrony that Ashley Furniture said I had never filed a complaint, so a second dispute was initiated. Then I was told there was no longer a warranty on the furniture, yet I had purchased an extended warranty. A third dispute was filed and subsequently denied. 

After numerous letters to multiple officials, Ashley Furniture finally agreed to pickup the furniture and promised a full refund. Hopefully, they will now honor their comments and a full refund will be issued.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CO)

I am filing a complaint regarding XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. The XXXX XXXX  automatically updates my credit card information for merchants that store my card on file for recurring charges, but it does not provide an option for consumers to opt out or verify which merchants receive updated information. This lack of control presents several significant concerns, both for me personally and for consumer rights at large. 

The XXXX XXXX  allows merchants to receive updated credit card details without my explicit consent. This means that even after Ive taken action to prevent a merchant from continuing to charge my accountsuch as canceling a subscription or changing my card detailsthose same merchants can still bill me using updated card information provided automatically through this system. As a consumer, I believe this practice is unfair, and it violates my right to control how my financial data is shared. 

Consumer Rights & Transparency : One of the key principles of consumer rights is transparency. Consumers should have full control over their financial data and the ability to decide who can continue to charge their account. The XXXX XXXX  lacks this transparency, allowing merchants to receive new card information without the consumers approval, leaving me and many others vulnerable to unwanted or unauthorized charges. 

Additionally, the fact that XXXX and XXXX do not offer a way for consumers to opt out or selectively choose which merchants receive updated card information means we are left with little recourse. This practice shifts the balance of power unfairly toward merchants, depriving consumers of control over their financial accounts. 

Potential Constitutional Concerns : While this issue does not directly violate constitutional rights, the lack of consumer control over private financial information could raise concerns about due process and personal autonomy. At its core, the Fifth Amendment protects individuals from being deprived of property ( including financial resources ) without due process of law. By allowing merchants to automatically receive updated card information, consumers may effectively be deprived of the ability to control their property ( in this case, their financial information and funds ) without proper consent. Though not a direct constitutional violation, this lack of control certainly challenges fundamental principles of fairness and due process in financial transactions.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (OH)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as Exhibit BXXXX XXXX Account number : XXXXXXXX FRD MOTOR CR Account number : XXXXXXXX FRD MOTOR CR Account number : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by CALIBER Account number : XXXX FRD MOTOR CR Account number : XXXXXXXX FRD MOTOR CR Account number : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-06-21
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)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2019-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IN)

XXXX XXXX Midland Mortgage is who i am with have had nothing but trouble from them they have lied to me they say i am be hind i have sent them prove where i have made all my payments and have old payment books to prove but i am tiered dealing with them i cant refinance becouse they show me late or somthing is that against the law to show false creadit agaist some one? You let them try and take my house after paying 20 years on it and see what happens.I have tryed to get away from them and can not do.I am thinking about selling to some one i know for pay off and see how they like that.I think this company iare crooks i want away from them some how some way i will not take to them they get me so XXXX mad sorry.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My account with the company and i was never late! I have had exceptional payment history with this company 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 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 2024-06-29
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. (PA)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries our mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2019-07-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: DFC Global Corp. (FL)

My mother received a phone call from Money Mart - XXXX XXXX saying if she paid him money, his company would give her a loan for {$5000.00}. She paid him {$2000.00} in XXXX XXXX gift cards purchased at the drug store. This took place between XX/XX/2019 and XX/XX/2019. He told her she could pick up her money at XXXX. She went to XXXX and they told her is was a scam. I told her to cease talking to him and that I would put in a report. He gave her an address of XXXX XXXX XXXX XXXX, FL. I have 2 phone numbers for him XXXX and XXXX. I have an email address for this person as well and documents he sent to her with a loan approval number as well.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with the company 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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with the company 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 2024-06-29
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. (WA)

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 XXXX XXXX XXXX. 

XXXX Bank - XXXX : # XXXX, XXXX Bank - XXXX : # XXXX, XXXX Bank XXXX XXXX : # XXXX. 
XXXX XXXX XXXX - XXXX ( Duplicate of the same accounts on record ) USDOE/GLELSI - # XXXX, # XXXX XXXX XXXX - # XXXX There are also incorrect current/previous addresses and employers list from TransUnion and XXXX. 

XXXX - My previous addresses have typos and employers are incorrect. 
XXXX - XXXX and previous address are incorrect 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 2024-06-29
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. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.