davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I had an XXXX XXXX Credit Card. I was advised timely that the card will no longer be active due to the bank no longer supporting the credit card. On XX/XX/23, I paid my card balance of {$2200.00}. At that time, I was notified that my card was closed ( however, I was advised it was closed in XXXX ). I shredded my card and cancelled the ebill ( I received billing statements online through my bank ). 

I received an email on XX/XX/23 advising me that I had a past due balance, however, I did not receive a bill or any type of notification prior to that date so I couldn't have known there was still a balance ( at that time it was around {$11.00} ). The bill was for {$24.00}. However, I was advised that my balance to pay the card in full was now {$26.00}. So I was charged {$13.00} for finance charges as well as a late fee. After speaking with a Supervisor at XXXX, I was advised that she couldn't waive anything since the card had been closed stating she could not override the system. Funny, the " system '' was still able to charge me a finance fee and late charge. 

I always paid my bill on time and paid the entire balance off with no mention that there could still be finance charges. I have paid the balance of {$26.00} so my credit will not be affected. 

I know {$26.00} is not a lot but it is the principal of the matter. How can you charge a finance fee on a zero balance and not send a billing notice until it's showing as past due, and then charge a late fee on top of that?
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (FL)

It was XXXX loan from XXXX and they sold my information to another solution company deft collect company with out my consent and now report ai a vantage report late payments and wrong information on my credit report when acct was in good standing and no late payment
Consumer complaint received 2023-10-17
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. (NY)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-04-06
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 inructions 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 2023-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc. (NY)

I made a payment on XX/XX/XXXX at XXXX EST, and a payment on XX/XX/XXXX at XXXX EST. I got charged with a late fee both of those months for XXXX each. I emailed Valons email support and they responded that their policy states they are only allowed to credit 1 late fee per a 12 month policy. This policy was never clearly explained to me when my loan was transferred from XXXXXXXX XXXX to Valon Mortgage. I explained that Valons 1 late fee credit per 12 months is predatory and intended to extract as much funds from the consumer as possible, especially considering the actual payments I made were on the XXXX day which is what is allowed by law as a grace period for consumers. After arguing with Valon, I got both late fees waived. Yesterday due to a power outage at my property, I did not have online access to make my payment prior to XXXX on the XXXX, and I was finally able to make a payment at XXXX EST at the earliest on XX/XX/XXXX, within the 16 day grace period. I emailed Valons email support right away for help, but rather than argue in emails back and forth I decided to call in to their customer support to talk to someone and provide documentation of my power outage as I have text notifications from XXXX XXXX that power would temporarily be out at my property. The representative on the phone was rude and didnt have any compassion and told me that the fee would be my responsibility. The call can be listened to at https : XXXX I even asked the customer service to set me up on autopay if shell waive the late fee so that neither I or Valon will have to deal with late fee waivers again as it is likely to repeat considering Valons very strict late fee waiver policy that results in issues because of their early XXXX early cutoff time while the industry standard over the years has been major credit card companies and mortgage companies moving over to a midnight cutoff time. I explained to Valons phone representative that this fee will not be paid and will remain on the account until it ends up in collections and that a complaint will be filed to the CFPB to inform them of Valon unwilling to help a customer out that has tried to reach a middle ground with autopay setup. A company like Valon should really focus on customer support being a new company and winning over customers versus trying to figure out how to make as much profit as possible especially when all my payments have been on the XXXX and it is very clear I am a credit worthy customer based on my credit score and payment record. They could never get me as a customer based on their customer service alone and are lucky to have gotten my business by getting my loan transferred over to them. I hope Valon isnt as greedy as Ive pointed out and will credit me my late fee charged on XX/XX/2023 in the amount of XXXX.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

I filed a dispute for unauthorized transactions that were made from my Chime checking account and was denied. My card was lost on the XXXX of XXXX and my last transaction was at XXXX at XXXX XXXX XXXX XXXX XXXX The unauthorized withdrawals happened from the XXXX of XXXX to the XXXX of XXXX totaling to {$5000.00}. I re opened my dispute and was denied the same day. In my denial I received a email telling me no errors were made on my account. This situation has caused a hardship on me and my family.
Consumer complaint received 2023-10-17
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. (FL)

I submitted dispute with CFPB on XX/XX/24 for the following item XXXX XXXX XXXX The item have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. 

XXXX XXXX XXXX Why is the high balance lower than the balance on this collection? Its impossible and needs to be removed!, You have the wrong open date 2 how can it have to open dates on each bureau?, this account has the wrong balance Transunion shows {$5700.00}, and XXXX shows {$5900.00} how can this be?, monthly payment reported on closed account, section 609 states that you're required to send me the paperwork associated with this account. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Consumer complaint received 2018-05-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (NY)

Subject : Acct XXXX I had a XXXX XXXX acct # XXXX on recurring payment for this account and never missed a payment and when I turned this car in XX/XX/XXXX for my new XXXX ( acct XXXX ) it turned into a complete nightmare. i had 7 months of payment left and was told i would have a final bill that would tell me how much i owed XXXX. I contacted XXXX in XX/XX/XXXX and was told that there is a process involved where they have to sell the car in an auction and that the final payment would not be available immediately and I would be sent a bill when it was. From XX/XX/XXXXuntil i moved into my new apartment in XXXX I never received a bill but instead I received an alert from XXXX XXXX in XX/XX/XXXX that I was reported to collections, when I spoke to a representative they explained to me that there were several accounting errors done on this file and that it required a supervisors attention. When i spoke to supervisor they initially told me it showed that this car was turned in late XXXX and when i told them it was wrong that i turned my car in for the new XXXX and gave them the account they did not under stand why it took this long to get a final pay off amount. Finally, on XX/XX/XXXX a supervisor was able to fix the errors and produce the final billing amount which included a customer credit for the errors and inconvenience, I made a payment in full the same day for {$2400.00}, the supervisor also tells me that this collections account should be removed off my account but required I reach out to someone in the Credit department. I am currently in the final stages of the home buying process but just got denied due too instead of XXXX retracting this collections account from my credit report, XXXX apparently updated the account status and closing date. When I called XXXX on XX/XX/XXXX regarding this matter I was told my account was still not closed because I still owe XXXX money. After I spoke to multiple representatives I finally got a supervisor who again apologized for another accounting error and that my account is indeed closed in good standing and left notes to have this collections account removed from my credit report. This is very important Ive been and continue to be a loyal customer to XXXX, I have always paid all my XXXX bills on time and still to this date have my account on recurring payments to insure that i don't miss a payment. i need this retracted from my credit report ASAP.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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. (OH)

I HAVE PREVIOUSLY DISPUTED Account XXXX an alleged bankruptcy WITH YOU. AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER ; THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-06-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (VA)

XXXX XXXX At XXXX XXXX have damaged my and my XXXX sons credit the allowed the apartment to be rented with an outstanding huge amount on the water bill and pended this amount on us when we moved out the apartment was very clean they did not give us an itemized bill of move out which I have on file we cleaned the apartment but the carpet was so bad she said dont cleaned them we have a letter stating that. this water bill XXXX XXXX XXXX XXXX says it wast my bill it had to do with the complex and one day the whole entire complex went without water became of their outstanding bill, before we moved in now the XXXX $ water bill is theirs they said its rent but its the water bill. We paid XXXX $ plus XXXX reservation fee and XXXX $ pet fee we dont owed and they gave me only XXXX credit for cleaning the apartment when it was immaculate. This is not fair I can rent they is trying to stick me with their water bill and saying its unpaid rent
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Between XX/XX/XXXX and XXXX of XXXX I had XXXX accounts open with my primary bank at Wells Fargo. XXXX checking and a savings account. 

On several dozen occasions I had reached out to Wells Fargo because transactions at different times wouldnt go through and when Id check my account theyd be in the negative. 

Each time I would call, I was told that even though I had the funds to cover it, previously added overdraft fees were pending to then take the money in my account, leaving me without access to my funds. 

Between XX/XX/XXXX and XXXX of XXXX when I ultimately had my account closed because I refused to pay anymore fees, I had paid and was charged about {$430.00} in fees alone, despite making deposits to cover those transactions. 

Ive never gotten a response from Wells Fargo, I was always taken through several different associates giving me different explanations as to why. I combed through every transaction adding and subtracting and came up with {$430.00} and all they could say is that the overdraft fees are not waived even after a deposit is made in a certain timeframe.
Consumer complaint received 2023-10-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the Trustee over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America NA-XXXXXXXX XXXX VA XXXX # XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property. Yet we have received only 2 more notices of assignment changes and they are for BOFA MERRILL LYNCH ASSET HOLDINGS, INC ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA MERRILL LYNCH ASSET HOLDINGS , INC.XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in XXXX our loan was paid in full by XXXX XXXX and was a resale exchange.XXXX  XXXX Litigation Specialist Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the 3 credit bureaus since XXXX file examined by FOIA. 

The National Justice Department has taken our case and have assigned a auditor involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.
Consumer complaint received 2024-04-06
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. (AZ)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-10-17
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. (UT)

On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both Transunion and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry on my credit report.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (CA)

I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting to XXXX are : XXXXXXXX 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 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
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I did not authorize or consent to these hard inquiries on my consumer report. Nor did I give Equifax permission to make a report on my behalf. Please remove the following accounts thats in the letter.
Consumer complaint received 2023-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.