davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX 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 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 accounts 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 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 2024-07-02
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)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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: Experian Information Solutions Inc. (CA)

I called Experian on Wednesday, XX/XX/, on or around XXXX XXXX PDT. I was on a long hold. Then an agent in XXXX XXXX dispute department answered. His name was XXXX. He alleged he couldnt hear me on the line. He said he cant hear anyone on the line and then disconnected the phone. There was nothing wrong with my phone. In order to get to a dispute agent, I had to interact verbally with Experians Interactive Voice Response System ( IVR or automated system ). Experians IVR requires the consumer to speak aloud in order to get transferred to the correct department. I didnt have any problems with the IVR while speaking out loud and the system acutely understood me. I then immediately called a colleague to test my phone. My colleague said I sounded loud and clear. Experian has many phone problems and it is egregious. This was not a one-time isolated event. This is a pattern of behavior for Experian.
Consumer complaint received 2024-05-09
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: Experian Information Solutions Inc. (SC)

Dear [ XXXX, Experian ], I am writing to dispute the presence of [ XXXX XXXX XXXX XXXX  ] on my credit report. According to the Fair Credit Reporting Act, I have the right to request that any inaccurate or incomplete information be removed from my credit report. 

After reviewing my credit report, I have noticed that [ XXXX XXXX XXXX XXXX  ] is listed as [ charged off, such as delinquent or in collections ]. However, this account is not accurate as I have never had an account with [ XXXX XXXX XXXX XXXX  ]. 

I am requesting that this account be deleted from my credit report as soon as possible. I have attached a copy of my identification and any other relevant documents to support my claim. 

Please investigate this matter and provide me with a written response within 30 days as per the guidelines of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-02-11
Product: Credit card or prepaid 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: CITIBANK, N.A. (PR)

On XXXX, make the following compliant : COMPLAINT ID XXXX Store : Best Buy Order Number : XXXX XX/XX/XXXX : Make the purchase of a cooktop, with delivery and installation. XX/XX/XXXX : Date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : Next date that I suppose receive the cooktop, I never receipt the item. XX/XX/XXXX : I call to appliances department for make a claim, because I need the money back in the Best Buy, credit card. The company fails several times. 
What would be a fair resolution to this issue? I just need my money back in the credit card. 

Today I check my email and Best Buy did was reschedule another delivery I received the following message by email : APPOINTMENT SCHEDULED : Order # XXXX set for Monday, XX/XX/XXXX. In a completely arbitrary action. As I indicated in the past complaint, I am only interested in my money back. No one can force someone to pay for something they did not receive, that is stealing money from consumers.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about The month of XXXX I recieved a text from capital one asking me to approve a XXXXXXXX transaction which prompted me to look at my account and notice transactions such as 3 to XXXXXXXX and a balance transfer to XXXX XXXX The times this all transpired i was at work and had my card on me. I called my bank to dispute those charges and noticed charges dating back to XXXX from an XXXX XXXX XXXX XXXXXXXX XXXX NY I asked the caller at the time where are those charges from because I live in the XXXX, ny. He put me on hold and stated they were from XXXX, NY and it was reported as suspicious online, so I stated to him I never purchased anything from that borough and began to dispute those charges amounting up to about XXXX. The money was credited to my checking account. Today on XX/XX/XXXX I noticed that my account was in the negative for almost XXXX dollars, and looked at my transactions to see that those disputes for the XXXX XXXX XXXX XXXX XXXX NY was reversed. I called capital one and explained the situation to the representative and he only replied that upon investigation they found that the actual debit card was used. Again I asked him what business and where was this transaction made he responded the same as the first stating it was made in XXXX, NY. I was frustrated because I stated to him I do not live in XXXX or buy anything or use my card in XXXX. Why was this reversed, why am I being penalized. So this representative escalates the call to a supervisor named XXXX XXXX ID XXXX, I explained to her the situation again to her and she informed me the same as the first representative that they have legal proof debit card was physically used and I asked her again where she said a laundromat, I asked where she replied in XXXX, NY I stated that's impossible as I can not be in XXXX XXXX boroughs at once. She forward that exact statement to the complaint dept. Complaint number XXXX. Again I was frustrated she stated to me a transaction was made again to XXXX XXXX XXXX XXXX XXXX NY THIS YEAR XXXX, upon my frustration I asked again where is this at, if I would have known the exact place this made and If it was me I would have no originally made a dispute, she just stated again a laundromat in XXXX, NY at this point I was over it. I was being penalized for misinformation from all these representatives in he dispute department at capital one. I still don't know what that investigation concluded other than the representative telling me the card was physically used at a laundromat in XXXX, ny. Then I asked her why would you credit any monies before an Investigation? She stated because it's policy. I am currently with a negative balance of about XXXX dollars with an additional amount of about XXXX dollars from my checking account due to misleading information from this department and I still have no facts.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO (PR)

I am receiving calls from a XXXX which seems like a legal number regarding that my ATM is no longer functioning and that I need to do something in this regard ( I never finished the call ). Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto Rico. I decided to report this since we have been informed that this is a fraud practice using the numbers of the institution. I am communicating this to the institution as well.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (AZ)

I purchased some furniture from Big Lots 2 years ago for {$2500.00}. They offered XXXX percent financing for 2 years. I set up automatic payments on XXXX 's website of {$100.00} per month. All XXXX payments were made on time. My XXXX and final payment was made just a few days after the promotion period had ended. 

Apparently I made a mistake about when my last payment was due. I had a balance remaining of {$100.00} to pay it in full at the time of this complaint. It has been paid. 

When I saw that my statement balance had increased by {$1200.00} I immediately went to the website to see what wrong. I thought perhaps my card had been compromised. When I looked at the most recent statement ( I signed up for paperless statements ) I realized that the sudden balance increase was deferred interest. 

I immediately called XXXX to pay the remaining {$100.00} and have the huge interest charge reversed. They refused. They told me my XXXX statement contained a notice that the promotion period would end next month ( XXXX ). 

I have no reason to look at my paperless statements because I always make my payments on time. 

The interest charged is more than 50 % of the original purchase amount. I want the deferred interest reversed in full so I can close my account.
Consumer complaint received 2024-06-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCSPLUS INCORPORATED (PA)

The Debt Collection Company, NCSPlus Incorporated, contacted me in XX/XX/XXXX to request that I pay two debts from past medical bills. These debts were from an XXXX  XXXX, XXXX XXXX. The debts were from two different dates and each were for {$14.00}.

I sent payment as directed by the letter from the Debt Collection Company and included the account number, XXXX, on the checks. These cancelled checks, XXXX and XXXX, are attached and show that they received and collected this payment. These checks were cashed on XX/XX/XXXX and XX/XX/XXXX, respect

ively. In fact, I accidentally paid too much. One check was for {$14.00} and the other was for {$28.00}. Therefore, I have paid {$42.00} on a debt of {$28.00}, which should make my account paid in full. Despite this, I received four letters d
ated XX/XX/XXXX, after the date that they cashed both of my checks. The letters are attached, and they appear to include duplicates. Two of the letters state the exact same account number, XXXX, and claim number, XXXX. The other two also contain the exact same account number, XXXX, and claim number, XXXX. They threaten reporting these debts to credit bureaus, even though I have proof that these debts were paid.
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

I created a personal account on Cash App to receive {$410.00} from my relative to pay my rent on XX/XX/XXXX. 
When I tried to with the money sent to me by my relative, The Cash App blocked the transfer stating there was suspicious activity. 
I contacted their in app support for help. In app support said that they could not help me. They stated that they would escalate my issue to another department. That department conveniently does not have a phone number and can't be reached in the app. They will only reach out by email in an unspecified number of days. After checking my email every day for two weeks and reaching out to them to find out what is going on, I finally get an email that my case was closed. They said I had only three days to respond. Since I did not respond in three days, I would have to go through the process of contacting in-app support, have them tell me that they would escalate the issue and have me wait for their department to contact me in several unspecified days in the future! Meanwhile, my rent was late and I was hit with a late fee of {$200.00}! The way Cash App steals money from hardworking Americans is shameful and XXXX. Thank you for your help in getting my money back from my personal Cash App account
Consumer complaint received 2024-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I'm reaching out for help with a concerning situation. I submitted a School Misconduct Discharge application to Navient for the loans acquired to attend the XXXX XXXXXXXX XXXX XXXX XXXX My application was confirmed and received on XX/XX/2024 for both outstanding loans. 

On XX/XX/2024, both applications were denied with no specific answer or option to appeal. I have attached the application filed and requested supporting documents. I have also attached a screenshot of their response to the application. If anyone has advice or has experienced a similar situation, I would greatly appreciate your guidance.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Immediate XXXX  XXXX Compliance Dispute and Demand for Deletion of Account # XXXX Dear LVNV Funding LLC, I am writing to formally dispute and demand the immediate deletion of inaccurate and damaging information regarding my account ( # XXXX ) as reported to the major credit bureaus. The current reporting violates XXXX XXXX format standards and my rights under the Fair Credit Reporting Act ( FCRA ), specifically CFPB 1006.34 ( b ) ( 4 ). 

Specific Issues : Account Status and Payment History : The account is inaccurately reported as " Open '' and " Late 120 Days '' on XXXX, contradicting the " Collection/Chargeoff '' status reported on XXXX. This inconsistency must be corrected to accurately reflect the account 's true status. 

Number of Months ( Terms ) : There is a discrepancy with XXXX reporting " XXXX '' month as the term, while XXXX reports " XXXX '' months. This inconsistency needs immediate clarification and correction. 

Date Last Active and Date of Last Payment : Conflicting dates between bureaus ( e.g., " XX/XX/XXXX '' and " XX/XX/XXXX '' ) require clarification and accurate reporting. 

Comments and Dispute Resolution : The reported comments, including " Customer disputed account '' and " Consumer disputes this account information, '' are inaccurate and misleading. These comments should be removed promptly as they do not accurately reflect my dispute status. 

Due to these substantial inaccuracies and their negative impact on my creditworthiness, I demand the immediate deletion of this erroneous account information from all credit bureau records. Under FCRA regulations and CFPB 1006.34 ( b ) ( 4 ), I assert my right to accurate reporting and request that LVNV Funding LLC complies with this demand without delay. 

Failure to promptly delete this inaccurate information will compel me to escalate this matter further, including filing complaints with regulatory agencies and pursuing legal remedies against LVNV Funding LLC for non-compliance with FCRA regulations. 

Please provide written confirmation of the deletion and documentation verifying the removal of this erroneous account information from all credit bureau records. 

Thank you for your immediate attention to this critical matter. I expect a response confirming the deletion within the legally mandated timeframe. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (IL)

I get a notification from the app that I used to handle my bank account. Once I log in it wont let me see my funds, and a notification tells me to contact customer service of the bank. I spent XXXX minutes confirming my identity, only for the customer service representative to say that the company closed my account. They didn't give me any more information on how to potentially contact any other part of the company to figure out why my account was closed. Trying to figure out another way, I look at my email associated with my account to find an email only sent an hour and a half before the call saying my account was closed. There was no reason given in the email. The date is Friday XX/XX/year>. I got off of the call with the representative at XXXX p.m. The bank is Discover.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (GA)

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. 

Account name : XXXX XXXX # XXXX has violated my rights. It was first inaccurately reported as a late payment for XX/XX/ and then reported inaccurate information and removed XXXX 's late payment and changed it to XX/XX/ inaccurate information. 

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 2023-04-12
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. (MA)

I was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.