davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CO)

This is a new complaint that stems from a previous complaint. 

In my previous complaint the company proceeded with a balance transfer that I did not consent to and contacted them XXXX to tell them to stop. 

The company, Elan Cardmember Service and I came to an agreement where I would pay them back the balance transfer and they would waive the fee.

I've paid them back via electronic debit from my personal checking account and they will not credit my account. So, now my credit score is tanking because my overall credit utilization is very high because Elan Cardmember Service is still reporting my account as having a {$13000.00} balance when in reality, my balance is XXXX. 

Elan Cardmember Service is not reporting the truth to the credit bureaus. I work very hard to manage my credit and my credit utilization to maintain a high credit score and good credit history. Not to mention the fact that they sent {$13000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX last month without my consent and I'm still dealing with the fallout of their reckless and greedy actions. 

Why is there not more oversight for consumers? Where are consumer 's rights? The money immediately left my account electronically. It doesn't take eight days for an ACH to clear. 

There is no end to the bull headedness and bullying of this financial institution that also goes by XXXX XXXX. Why don't consumers have any input or power? Why are these giant financial institutions allowed to besmirch consumer 's credit ratings with false information? 

I want my account to be properly credited and conveyed to the credit reporting agencies. 

I'm attaching two screen shots that confirm that I made an electronic payment to Elan Cardmember Service on XX/XX/24 and the payment clearing my checking account on XX/XX/24.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are addresses on my TransUnion that are not mine. I have no apartments or house in my name. 
I locked my TransUnion XXXX XXXX. Now I cant get into my account and TransUnion has been misusing my information. All information is incorrect that I mentioned. TransUnion forget password will not let me in my account. Will not resent my password. Ive called them and an agent transferred me to wrong person to reset password.
Consumer complaint received 2024-07-01
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. (NV)

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, 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 months that are reported 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. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (OH)

I am being charged for items I didnt receive under the agreement I signed for. The account is now in collections after multiple attempts by me to get an new lease agreement with Monterey Financial but Monterey Financial failed to provide me with an updated proper lease agreement for the items instead it shows different items and prices than what I agreed to. I made multiple attempts to return the items. Monterey Financial told me to contact XXXX  to return the items but then XXXX said that I needed to contact Monterey Financial & that XXXX couldnt do anything for me as the issue is with Monterey Financial. I am not legally responsible for the items as the items I agreed upon is not what I actually signed and agreed to as the contract has been voided due to error in factual information of the agreed upon open endlease because I did not receive the proper original lease agreement items. I have submitted the receipt to Monterey Financial but Monterey Financial is claiming that the documents I sent could not be opened. This very predatory and its a tactic that should not be allowed as this company expects me to pay for something I did not receive and agreed upon. Under FRCA The Fair Credit Reporting Act a fair investigation has to be done but Monterey Financial violated my rights under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to a fair investigation after I have brought to their attention that there is a billing error & I did not receive the proper items as I agreed upon as Monterey Financial are only trying to collect as much money as possible. I even tried to make payment to Monterey Financial of {$600.00} on XX/XX/year> because I assumed that Monterey Financial would send me an updated lease agreement with the items I agreed to but their site would not accept my payment which I immediately made Monterey Financial aware of the situation. I sent a video of the error to Monterey Financial about the issue of their website they did nothing and the 30 day buy guarantee price had expired so I went from owing {$600.00} for the original items I agreed upon but didnt receive to over {$1800.00}. That is a very predatory tactic to scam customers which is unacceptable. I tried to have Monterey Financial accept a {$610.00} payment before it even went to collections but Monterey Financial failed to accept the payment by saying that the 30 day guarantee is over with but it was not paid because two issues thats were on their end. The website would not accept my payment & their is contract errors ( billing ) with the items I was supposed to receive and pay for. I am not legally responsible for the items that Monterey Financial put in collections as I did not agree to the items nor are there any legal documentation with my signature agreeing to a lease with the items I actually received & tried to return.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute inaccurate information on my credit report. The account in question is listed as follows : * Creditor Name : XXXX * Inaccuracy Details : incorrect date of last payment, incorrect date of last active, incorrect date of last reported, incorrect date opened, incorrect account status. I have previously contacted your bureau regarding this issue, but the inaccuracy remains unresolved. According to the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported on my credit file is accurate and complete. You have broken my rights under the consumer law 15 USC 1681e ( b ) Duty to Provide Accurate Information. Please confirm receipt of this letter and provide written verification of the actions taken to address this dispute. I trust that you will handle this matter with the urgency it requires. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO Bank, N.A. (NJ)

Opened a BMO relationship checking account and the opening terms did to specific that the account had a XXXX $ fees and needs XXXX min balance to avoid the fees. 
I tried calling to close the account but that required a fees of XXXX $ to close. I tried to product change to a different account but kept getting excuses like the team that handles this isn't here yet, and you opened the account online so there is an issue changing the account type to the non-monthly fees XXXX.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TN)

I am writing to dispute the reduction in my credit limit that was recently imposed by your company. The decision to decrease my credit limit is in violation of the protections provided under the 15 U.S. Code 1666d, which safeguards consumers against arbitrary credit limit reductions based on inaccurate information.

Upon reviewing my credit report and account history, I have identified inaccuracies that have led to the reduction in my credit limit. It appears that there are errors in the reporting of my payment history and outstanding balances, which have unfairly impacted my credit standing and access to credit.

As per the regulations outlined in the 15 U.S. Code 1666d, I urge you to conduct a thorough investigation into the information on my credit report and account history. It is imperative that these discrepancies are corrected to accurately reflect my financial standing and creditworthiness.

I request that you review my account and credit limit in accordance with the provisions of the 15 U.S. Code 1666d and take the necessary steps to restore my credit limit to its previous level. I have always maintained a good credit history and have abided by the terms of my credit agreement. 

I appreciate your immediate attention to this matter and expect a prompt resolution. Please contact me if you require any additional information or documentation from me. 

Thank you for your cooperation in rectifying this issue in compliance with the consumer protection laws under 15 U.S. Code 1666d. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

These names on my credit report are wrong and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses never lived at. And are wrong. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX These employers never worked at. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
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)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NC)

In early 2023, I purchased a security system with XXXX, with a retail line of credit to finance the security product, apparently managed by Fortiva. I set up automatic monthly payments from my debit account to pay for the security system. Apparently sometime since then, Fortiva changed the line of credit to a credit card without my knowledge or consent. I was only alerted to this change when Fortiva called XXXX weeks ago attempting to collect payment on the credit card. When I told the caller I do not have a credit card with Fortiva and asked what the payment was for, he put me on hold and then hung up. When I attempted to call right back to get more information, the automated system would not allow me to go forward without the credit card number, which obviously I do not have. Fortiva collections called again today, and I again told the caller I do not have a Fortiva credit card. When I asked what the payment was for, this time the caller stated that it was for my security system and that because my debit card had recently expired, they had been unable to collect payment for the month. I told her I only have a line of credit for the security system and she informed me that Fortiva had " upgraded '' my line of credit to a credit card. When I told her I did not request or consent to an upgrade or to a credit card, she said Fortiva would have sent me a letter or an email notifying me of the change. However, I never received an email or letter, and Fortiva is not legally allowed to change a line of credit account to a credit card account with consumer permission. I never consented to a credit card nor to an " upgrade '' for the line of credit. I am also concerned about the impact to my credit record for a credit card XXXX neither requested nor consented to. Fortiva wrongly decided for me that I would get a new credit card and fraudulently described the new credit card account as an " upgrade. '' The caller did cancel the credit card on my request. Additionally, she admitted that my debit card attached to the automated monthly payments is showing as current/not expired in the system and she is not sure why the payment did not go through or why they would charge late fees on an automatic payment. I asked to speak with the Fraud Department, and she stated she could not transfer me but gave me the number. I called the number and left a message on the voicemail.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OH)

I WAS THE EXECUTOR OF MY FATHER 'S ESTATE.A BANK ACCOUNT WAS OPENED # XXXX.I WANTED TO FIND OUT WERE THE LAST CHECK FROM THIS ACCOUNT WAS DEPOSITED.I GOT A COPY OF THE CHECK BUT THE BACK IS ILLEGIBLE.I HAVE A RIGHT TO KNOW WERE THIS CHECK WAS DEPOSITED.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC (AZ)

XX/XX/XXXX innovate loan financing secured a loan for my auto ..for my XXXX XXXX XXXX XXXX  documentation showing my balance interest rate payments madebilling is completely incorrect and not posted appropriately Almost 2 years later theyre showing my balance of being the same as my original loan amount.. I called to make my payment early last month and The recording said I was XXXX payments past due - incorrect, I was paying early & not past due period.. I called and spoke to a rep he said the recording was wrong. His records show I am current I asked him to send me proof while we were on the phone, he advised he had no way to do this I asked to speak to supervisor & he said there were no supervisors at the moment supervisors had left the building. He assured he has supervisor would be emailing me information I requested. Never received anyhtning I sent an email asking for this information No Response XX/XX/XXXX I called in asking for statement, Advise them I have never received a statement. They told me the computer and their entire companies mainframe crashed. Advised me they had no way of getting into any records. I kept calling monthly told same thingXXXX months later, Im still asking for the same statement I was told the system was still down.. To this date have never received a statement or any documentation to show my balances, any kind of documentation to show payments made interest my concern is I keep making my payments early & I have no way to see what my interest is being charged or any kind of breakdown and their record says that I am late which I was not so theyre overcharging.. 

You have to go online to make a A payment they have no information available no access to statements, no interest rate info no balance info nothing. 

XX/XX/XXXX they kept returning & rejecting my payment online. I had to keep resending it over and over, making sure my payment was made. 

They refuse to send a monthly statement showing current balance, interest, payments made. I request a monthly statement every month and they refuse... I told him if you wont mail one out email me one they refuse I have called and requested over 33 times for this information and still get the runaround. Im told they will email it.. I received one email and all I had was a list of my payments. I had no interest-rate and no breakdown. I had no balance no payoff no anything. 

They pray on people needing help taking advantage especially during Covid.. my grandmother passed away, and I had to go home take care of my XXXX XXXX XXXX grandfather.. My credit score was not that bad but not a XXXX preyed on people in need during Covid. 

They take advantage by not giving the consumer any information that I would think by law we are to have.. I would like to know where I on a monthly basis I am not the only complaint there are thousands of complaints
Consumer complaint received 2024-08-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased an XXXX gift card for {$500.00} in early XX/XX/year> that was " bad '' compromised. I could not use the gift card at all ; all transactions would decline. 

I tried contacting the company ( XXXX XXXX XXXX XXXX XXXX ) and submitted all information they requested but they ignored me and never contacted me back. After calling them frequently for XXXX months, several XXXX representatives told me : " the case is closed and I won't get my money back '' without giving me any details as to why the case was closed or why I wouldn't get back my {$500.00} back. 

How can they do that?
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have been a client of the Huntington National Bank in XXXX, XXXX since early XXXX '' XXXX. 
On XXXX XXXX I received certified letters from the bank informing me of the decision to end their relationship and close all my accounts, more than a quarter XXXX dollars in various accounts and investments within a month. Reasons, and I quote : ( XXXX ) - " Per account agreement, bank can close any account any time for any reason with or without notice to you ", which I don't dispute, AND, ( XXXX ) - " For exceeding our risk tolerance ". 
As a law abiding citizen with no criminal record, even a traffic violation and outstanding credit rating, no mortgage of any kind, always current on paying 100 % monthly bills, including credit cards and current with IRS filing, it was a great shock to me that how can I possibly be a risk to the bank for them to take such a drastic measure. Intent to know the nature of the risk, I contacted the bank and was told they can not tell me anything more than what is in letters of XXXX XXXX and XXXX XXXX ( copies attached ). Subsequently I filed a dispute with XXXX in XXXX, to no avail. They were told bank will only give their response to client only and do not share with third party. 
On XXXX XXXX I received a telephone call from the bank repeating what was in their letter and again not explaining why I am a risk.