davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
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. (LA)

My XXXX loan started with XXXX XXXX then went to XXXX XXXXXXXX and now its with XXXX. I know that it was paid off already and they are double dipping.I also submitted a 1099 A.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (PA)

My account with BMG MONEY was never late! I have had exceptional payment history witH BMG MONEY 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 to 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. 


BMG MONEY 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 2024-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valley Credit Service, Inc. (OR) (OR)

There was a court order on XX/XX/XXXX case number XXXX. Did not receive any paperwork in the mail or any other notices, for this case. This case was paid off in XXXX. I have accounting records to show this was paid off. The person I was transferred to would not disclose any information except that they have been trying to collect. That statement is false because they were and had collected full debt paid off with same company three years ago.

So four years ago they got payments and let it sit for three years and then decided to go after this debt again. This is false, Deceptive practices from valley credit service Inc.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Valentine and Kebartas, Inc. (TX)

I have gotten several texts from Valentine & Kebartas but never a call, letter or other communication. Don t know how they got my number or what theyre texting about. Reported as junk to block the number and they keep coming. I dont have any debts that are not addressed on a regular basis by me. They need to stop this. V & K - Debt Collector : Don't forget about us. You missed your payment. To pay click XXXX XXXX XXXXXXXX To optout txt STOP
Consumer complaint received 2024-05-03
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. (PA)

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-28
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) : XXXX XXXX XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX have violated my rights 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 an account without my written instructions
Consumer complaint received 2024-02-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I applied for a hardship program when i didnt have a job to make sure i dont have any late fees and interest charge to avoid bad credit ( back in XX/XX/XXXX and I still have the notes on my phone to make sure I follow their rules and regulations ). 
The hardship department implemented the monthly required payment on my account to make sure I dont miss any payment so I can still stay on the program. 

Since XXXX, I have been getting calls from collection department because of my account and I ALWAYS call back or answer to make sure everything is okay and they always say, I dont have to worry about anything because I am enrolled XX/XX/XXXX : I got a call again and the person was the first person that went out of their way to call their supervisor to ask for help as to why I have been getting calls In summary : I AM NOT ENROLLED. They just said the person I talked to on XXXX did not finish my enrollment despite that I listened to the disclosure agreement over the phone and the monthly payment THEY set up They said Its probably their button or the system SO NOW. my credit report has late fees since XXXX until now because of itand they said they could not do anything about the interest charge and my credit report even though I did my part enrolling myself and made a pro-active move to avoid this situation. 

Update : I enrolled myself to a better program now however they CAN NOT give me back the interest charge, only the late fees and they can not help me with the credit report dispute DESPITE that it is their fault and they just gained money from me because of their system difficulties I dont know why they can just say oh we apologize but thats literally why I did what I had to do to avoid bad credit reports. I saved the ladys number and extension that helped me figure it out. She told me that they almost transferred me to a third party company due to this even though I consulted with them MONTHLY. 

I got a job and I am making sure I am paying more than what I should and paying way before the due dates. This credit card company needs to stop scamming people due to their system difficulties.
Consumer complaint received 2024-05-03
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. (CA)

The XXXX loans listed on my account that's being reported by all of the three credit bureaus have been discharged. Attached to this complaint is a copy of the discharge letter which can be used as proof that these accounts should no longer be reporting on my credit report.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

Greetings, I have tried to update my personal information with the Bureaus in question but they have failed to remove the old information after updating the new ones. there should only be one of the following NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX WA.XXXX  JOB : XXXX XXXX Any other address or name should be removed. 
Section 611 of the Fair Credit Reporting Act requires credit reporting agencies to ensure that the information in your credit report is accurate, complete, and up to date. Which gives me the right to dispute any inaccurate or incomplete information in your credit report, and requires credit reporting agencies to investigate and correct any other errors.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXX XXXX/XXXX/XXXXTo : Consumer Financial Protection BureauRE : Capital One Bank, USA Credit Card # XXXXI am member since XX/XX/XXXX and I keep my account good standing all the times.XXXX/XXXX/XXXX I requested credit line. My credit line request has been denied due to XXXX payment retuned credit card account. 
( Letter attached ) I will explain what happened payment has been returned. I have a Capital one Bank Checking accountA/C # XXXX I made a deposed {$570.00} on XXXX/XXXX/XXXX.Same day I process payment {$28.00} mycredit card account. Due to bank error before process the deposit, my credit card payment go thoughchecking account. That 's the reason my payment has been returned. 
XX/XX/XXXX to up-to-date this is the only XXXX payment has been returned. paid that amount following day using same my Capital one checking account. 
So I am so disappointed what they made the decision regarding my credit card Limit increase request. 
I Finally I spoken with card center named called XXXX on XXXX/XXXX/XXXX, she asked me to provide bank letters .I explain same bank and try to investigation my issue. But she dint help me. And she treated me so very badly. I feel like I have been discriminates against my race, national origin and gender. 
Finally I asked to transfer Card center supervisor and he also not provide and positive feedback. 
I need a fair resolution this issue as soon as possibleThanksXXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX BANKRUPTCY ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

I want to file a complaint against TD Card Services ( TD Bank credit card company ) because TD Bank arbitrarily and capriciously sided with the merchant, XXXX during a credit card dispute. TD Card Services was given all evidence to prove that ( 1 ) I was supposed to receive a promotion in amount of {$150.00} and that services were n't provided, so I tried to refund the gratuities in amount of {$240.00}. TD Card Services assigned case # XXXX. After clear and convincing documentary evidence, I would expect that the TD Card Services would issue me credit in amount of {$380.00}. If this does n't get resolved, I will definitely proceed with a complaint in XXXX Civil Court.
Consumer complaint received 2023-08-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX and TransUnion Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX Balance Owed : {$11000.00}.
Consumer complaint received 2024-08-09
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. (AZ)

On or around XX/XX/year>, a credit inquiry from XXXX XXXX  was fraudulently posted to my credit report. I did not apply for any credit product from XXXX XXXX. Similarly, on or around XX/XX/year>, another unauthorized inquiry from XXXX XXXX, Delaware, appeared on my report. Earlier, on or around XX/XX/year>, XXXX XXXX was responsible for a similar fraudulent inquiry. Additionally, on XX/XX/year>, another unauthorized inquiry from XXXX XXXX  was recorded. Further back, on or around XX/XX/year>, a fraudulent inquiry and account from XXXX XXXX XXXX XXXX were added to my credit report, resulting in negative reporting and adversely affecting my credit. I did not authorize any of these inquiries or the opening of these accounts. They are fraudulent and need to be deleted promptly.
Consumer complaint received 2024-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Monterey Financial Services LLC (NJ)

I have made a complaint earlier today against this creditor attempting ILLEGALLY to collect on an alleged ( fraudulent ) claim. My complaint number is XXXX. I am applying for approval for an apartment. I sent application yesterday XX/XX/year> and paid application fee of {$47.00}. My agent just texted me that the credit report brought back the following : XXXX XXXX XXXXXXXX Originally : The XXXX XXXX XXXX is reporting on my credit bureau as " In collections ''. It states further : " XXXX XXXX XXXX Attorney : XXXX XXXX XXXX Deed for collateral in lieu of foreclosure on a defaulted mortgage : XXXX XXXX received Deed for Collateral in lieu of Foreclosure on a defaulted mortgage ; dispute resolved- Consumer Disagrees '' This collector/ agency/company : Apex Studio, XXXXXXXX XXXX XXXX Originally : XXXX  XXXX XXXX XXXX is putting fraudulent information on my credit report that is unfounded, wrong, illegal, inaccurate, against the Fair Reporting Act, against Federal consumer laws, against all my rights. I do not owe them first of all. I have reported them and this complaint to CFPB ( earlier today- please refer to complaint ID number ) And I am still learning of how they continue to damage my credit report. they were not listed 2 months ago. My credit score dropped from XXXX to currently XXXX. They are damaging my credit file, and my score. They are damaging my credibility as a reliable renter. they are challenging my livelihood and costing me money ; directly ad indirectly. I can not qualify for state home grants with a low score of XXXX. 

They are claiming this dispute is resolved. It is not. they are making false claims on my report
Consumer complaint received 2022-11-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected now! 

XXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: YKS Acceptance, Inc. (CO)

I purchased a XXXX XXXX XXXX from XXXX and financing was thru YKS Acceptance. I have seen the complaint against then and have contacted the CFPB and was advised that I needed to contact XXXX. I have done so on several occasions and I get told that I need to contact the CFPB. I want to know if I will be included on this. My Acct number with YKS Acceptance is XXXX. I have had nothing but problems with this vehicle and they would not negotiate pricing, charged us {$2500.00} for extended warranty and i would still end up paying for repairs. within the XXXX 30 days the head gasket blew and they charged me for towing of the vehicle back to the shop. I needed a vehicle for my family. they did not give us the option of looking other places for loans.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX, I requested an external transfer from Citibank. The request was scheduled for XX/XX/XXXX. The transfer " failed '' according to Citibank despite there being no problem when I submitted the request. Then, the yardstick moved to say no external transfers until XX/XX/XXXX. I have tried multiple times. No transaction is allowed to go through. I have only been allowed to make 2 withdrawals a month since XXXX as I try to remove all of my money and close the account.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frontline Asset Strategies, LLC (CA)

I tried switching over to XXXX and was waiting for my number to port over like the representative told me, but they did not complete it. I called XXXX numerous times trying to find a resolution or an explanation, but they kept giving me the runaround. My service with XXXX  was never fully active, and I was never able to make nor receive calls. What makes this matter even more complex, is the fact that I signed up with XXXX because they promised me better service and no hassles, but that was exactly what I received. 
As a cause to all of this, I ended up switching my service over to XXXX, and XXXX ended up charging me {$85.00} and even sent it to a collection agency. I received numerous calls from the collection agency, and I made an agreement with the collection agency ( the only reason I made a payment for services I never received was because they promised to remove everything from my record and write it off completely ). After numerous months, I have once again started receiving calls asking that I once again pay the {$85.00} that I already paid. I need help with this immediately and need this removed and resolved as soon as possible. 
The representatives from Frontline Asset Strategies confirmed that I made a payment already but did not have the part that stated that this matter was taken care and closed.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (NJ)

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXX Account XXXX