davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
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. (OH)

On XX/XX/2023 I contacted XXXX XXXX XXXX. I made a payment in an agreement to clear the account. They advised me that once a payment was made that they would request for the tradeline to be removed from my credit report. It has been almost 60 days and they have not done so. I would like to know that the payment was not returned, because the bureaus updated trade line as paid
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CO)

I have had this credit card for roughly a year or so. Every single account and credit card I have is on auto pay, every single one. This Frontier card has been no exception, I would know if I logged in every month to pay this card. It was setup on auto pay, I just happened to see an email saying I didnt make a payment this month, after it was apparently late. I reached out to them and they essentially told me I am wrong and I log in every month. I have 6-7 credit cards and I have not paid a late fee on them ever, this is the only card. I went through my emails and the ONLY time they send you an email for a payment is when you schedule it online. I have received 4 emails, all 4 emails coincide with my 4 recent EXTRA payments in the last 2 months, on top of the minimum payment due. This was their reply : Thank you for contacting us about your Frontier Airlines XXXX XXXX. We appreciate you taking the time and effort to reach out to us regarding with your late payment fee. 

Upon review of your account, we can confirm that you manually scheduled your payment on our website since XX/XX/2023. 

You can confirm the status of your payment by selecting the Payment Activity link located under the Payments tab on your account homepage. Also, the box in the center of the account homepage will display your payment status. If we have not received your payment, this box will show the minimum amount due as well as the due date. Once your payment has been received and satisfies at least your minimum due, a badge labelled Paid will display next to the Minimum Payment and/or Statement Balance, as well as the phrase No Payment Due at This Time. 

When we receive a payment that is not at least the amount of the minimum payment due by XXXX XXXX  ET on the payment due date shown on your monthly statements, a late fee is applied to the account. 

To avoid fees in the future, you have the option to make your payments automatically each month. You can enroll by clicking on the Repeat Payments link located under the Payments heading displayed on the account homepage. On the next page, choose the amount you wish to pay by selecting Minimum Payment Due, Statement Balance, or Other Amount. 

You can schedule your payments to be paid up to 10 days prior to your payment due date, or on your due date. Once you've made your selections, click Review and Verify. If everything is correct, select the button that says Enroll in Repeat Payments. If you've not previously set up an account, or you would like to add a different account, please have your banking information available. 

Also, we offer several account alerts, such as email and text messaging, which will keep you informed about your account. To set up or change your account alert settings, select Alerts under the heading titled Services.

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.

Sincerely, Customer Care
Consumer complaint received 2022-11-21
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please the items as soon as possible.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, 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 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 2017-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

This company broke the terms of the accord set by the check I sent them which they have already cashed. I informed them that I will be sending them a conditional endorsement check payment by sending them a letter last   XXXX   XXXX  , 2017. Attached with this complaint is a screenshot of the USPS tracking page where it shows, they received my letter last   XXXX   XXXX  , 2017. I then sent them a check dated   XXXX   XXXX  , 2017, which cashed. Clearly the condition on the check says, " to delete the negative reporting from my credit report for check to be cashed ''.
The check has been cashed and the negative information still remains. This is a violation of California Civil code. Please see attached files proving this company 's violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT.
Consumer complaint received 2023-03-10
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: Bread Financial Holdings, Inc. (FL)

I have been trying several ways to reach this creditor claiming I owe a debt to a card opened with a XXXX. The account reads as follows on my consumer report ... COMENITYCB/XXXX This is a fraudulent account and I have never had any dealings with this creditor. 
By reporting this inaccurate fraudulent information on my consumer report to the credit bureaus this is not only unvalidated, unverified a d fraud bit I my consumer rights have been violation in many ways and litigation will be pursued concerning this matter if it persists and remains reported
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (CA)

Employer issued paper payroll check in lieu of normal direct deposit due to a payroll processing issue. Deposited the check ( XXXX ) to my account via mobile banking app XX/XX/XXXX. Mobile banking app states during the deposit process that " Deposits made on a business day before XXXX will be processed and usually will be available to cover items ... that same day. Funds availability may be delayed ... to mitigate risk of error or fraud. '' The app does not state or show that there would be any hold attached to the check during the deposit process. Moblie deposit was successful, and a hold appeared after customer service business hours on XX/XX/XXXX, and the hold is through XX/XX/XXXX. 

On XX/XX/XXXX, it appeared that my electronic payments ( credit card, utilities, etc ) had cleared and the hold on my check deposit as " pending. '' As of XX/XX/XXXX, the hold caused a reversal of all of my electronic payments creating returned item fees for me to deal with from several different payments. Calling customer support, representative and supervisor said " there's nothing we can do, and there's nobody we can connect you with that can remove it. '' and essentially said my best course of action is to wait until the hold is cleared, They stated that if I called or visited my local branch manager, they could possibly 'do something. ' The problem here is that I work and live in California, and am unable to visit the branch where I opened my account in Alabama, and the nearest branch is Texas. 

Had I been informed immediately that the check would be held for more than a week, I would have gone to the bank that the payroll check was written from and cash it directly. 

I've had this account for more than 10 years and never deposited a bad check.
Consumer complaint received 2023-08-09
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: SYNCHRONY FINANCIAL (TX)

I moved to a new State ( GA ) and went into Steinmart to make a cash purchase. The cashier convinced me to open a credit card to get a promotional deal and advised me to pay it off after the first bill if I don't need it. I submitted my temporary address and my permanent address, where the statement was supposed to be mailed. Steinmart mailed the Statement to the wrong address so I never received it. I finally went to the store location to pay it off and was told that they were mailing to the wrong mailing address. Immediately paid the balance in store and closed the account. This was an error on Steinmarts part.
Consumer complaint received 2023-08-09
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: FC HoldCo LLC (TX)

I have 2 Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 and Flagship Credit Acceptan ( finance ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. 

I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. 

Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.
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. (IL)

In accordance with the Fair Credit Reporting Act Transunion & XXXX XXXX # XXXX, has violated my rights. 

They have failed to respond to the FCRA 605B ( 15 U.S.C. 1681c-2 ) 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. 

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my dispute.

15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) =. The law clearly states that if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer Transunion stated the account was properly investigated but how is that possible when all bureaus are reporting different information highlighted such as The account number is XXXX but all other bureaus report different, the monthly payment is blank but all other bureaus report different, the last payment made on XX/XX/XXXX but all other bureaus report different, The payment history of 120 days late is reported three times on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but all other bureaus report different, the date closed is XX/XX/XXXX but all other bureaus report different, The balance is {$27000.00} but all other bureaus report different, first date of delinquency is XX/XX/XXXX but all other bureaus report different and the pay status is charged off but all other bureaus report different. The account was also closed on XX/XX/XXXX but was still reporting late payments and all other bureaus report different. 

All bureaus are reporting different information and every bureau has removed this inaccurate information from my credit report except Transunion. 

Transunion has also failed to respond to the Illinois Attorney General 's Office complaint This is grounds for removal they also violated my rights under According to 15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS  Date Opened : XX/XX/2019 Creditor : INPHYNET XXXX XXXX  Balance Due : {$1000.00} I don't know this collection account.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (TX)

Experian has lied about results on a dispute. I had no late payments and XXXX has had no communication Experian. XXXX also denies my account is closed which was information also submitted by Experian. XXXX gave me acces to documents demonstrating they made an error in reporting late payments
Consumer complaint received 2022-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX, I had a Capital One credit card and the debt was sold to XXXX  XXXX XXXX XXXX XXXX ). I spoke with XXXX and they threatened to sue me and filed a court judgement against me in New York.
Consumer complaint received 2024-04-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SANTANDER HOLDINGS USA, INC. (AL)

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding collection/charge off ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of collection/charge off connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2023-06-23
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2017-07-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I called Transunion because I feel I was a victim of the credit inquiry Issue and they refused to help me.I have several credit inquiries that I do n't even recognize and need Deleted!
I will list them, perhaps something can be done if you contact them!
 XXXX  Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (   XXXX    )   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   Do you see errors in your report? SEE OUR DISPUTE   XXXX   XXXX  -130 Date Filed  XX/XX/XXXX  Type Miscellaneous and public record Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (  XXXX  )   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   Date Filed  XX/XX/XXXX Type Finance, personal Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed XX/XX/XXXX  Type Finance other than personal Phone Number (   XXXX   )   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed  XX/XX/XXXX Type Automotive Phone Number (  XXXX  )  XXXX  Address   XXXX   XXXX   XXXX    XXXX  Date Filed  XX/XX/XXXX  Type Banks and   XXXX   XXXX   XXXX   Phone Number (   XXXX   )  XXXX  Address   XXXX   XXXX   XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

Please note Shellpoint reported me 30 days late erroneously for the month of XX/XX/year>. As per the contractual agreement with Shellpoint, my payment was due on XX/XX/XXXX. The payment was submitted via XXXX website on XX/XX/XXXX, which is the XXXX day after the payment was due, and cleared my account on XX/XX/year>. ( PLEASE NOTE THE PAYMENT HISTORY PROVIDED BY SHELLPOINT ) The payment was made within the allotted time frame, and shouldn't be reported as 30 days late, as in reality it was submitted on the XXXX day, and cleared on the XXXX. I received confirmation that my payment was successfully processed on XX/XX/XXXX. 
I have been paying this mortgage in a timely fashion for many years, and I have XXXX active mortgages with Shell Point. In addition, I have completely paid off several multi-million mortgages in the past. This is an error on Shell Points part, and as a long time customer with an immaculate payment history, I am asking that this be corrected as I wasn't LATE! This erroneous reporting is affecting my credit history, and is hindering my business and financial security.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (FL)

Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (OH)

On XX/XX/XXXX, my account was compromised. I believe this happened because I received a phone call from a company posing as Credit Karma asking if I had opened a new credit card. I said no and they said they were sending me a one time code. I provided the code that I was sent from Credit Karma. They said that the code was incorrect. Then they called back and followed the same process. The second time they informed me that it was successful and the card was cancelled. Both of these calls were all automated. Approximately XXXX hours later, I saw alerts that there were transactions being made on my account. They were all to XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX The amounts were for {$190.00}, {$140.00}, {$130.00}, {$89.00} and {$2000.00}. The transaction for {$2000.00} declined for insufficient funds. The other transactions amounted to {$570.00} and was equal to all of the money that I had in my account. These transactions were not authorized or initiated on my part. I immediately called the number on the back of my card to report the transactions. I was told that there was nothing that could be done at this time and that I would need to call the next day to report the issue. I reported the issue and was told that this was going to need to be handled by two departments, the fraud department and the disputes department. I made complaints with both departments. The fraud department alerted me that all of my information on my account had changed relating to my phone number, email address and password. They reset this information and provided me with new account numbers for safety. They also informed me that a new digital card had been created an it was the card that was utilized for these transactions. I have never created a digital card and certainly never used one. 

The disputes team told me that there was nothing that could be done until the transactions posted to my account. I called back daily to file a dispute but was not allowed to file the dispute until XX/XX/XXXX. I received notice back on XX/XX/XXXX that the research had concluded and that they found that " no error had occurred. Regulation E only covers unauthorized electronic transactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. '' I have called back to complain and they said that they would re-open the dispute. I filed a police report and submitted that to Credit Karma as well. I can now no longer get any response from Credit Karma when I call or email. What can I do to get my funds restored to me?