davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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 TRANSUNION 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! 


Update the late payments from my consumer reports
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (IL)

Equifax is reporting a bankruptcy on my credit report and they are have put in the data furnisher as being the U.SXXXX Bankruptcy Court of Illinois, which is false. I have attached a letter from the UNITED STATES BANKRUPTCY COURT NORTHERN DISTRICT OF ILLINOIS verifying and stating that the U.S. Bankruptcy Court do not furnish information over to the credit reporting agencies or any credit monitoring services, nor do they verify or validate any information concerning bankruptcies. Equifax is falsely stating this information on my credit file and has yet to remove this information from my credit reports.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (CT)

I have tried multiple times to dispute with XXXX  and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. 

All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. 

Please help me with this collection as it is hindering my credit score.
Consumer complaint received 2016-09-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC (VA)

I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter sincerely XXXX XXXX
Consumer complaint received 2024-11-17
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. (NV)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am requesting you investigate this account and update these payments to paid on time immediately. Thank-you for your understanding and prompt action on this matter.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States i have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX A Section XXXX It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) 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 andantes the report by more than XXXX XXXX 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause believe that the information is inaccurate.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IA)

My XXXX state tax return for {$220.00} was supposed to be put into my US Bank account through direct deposit. There was a tech error in my account number leading to the wrong account number being sent my deposit. US Bank did not check the name on the deposit to make sure it matched the account number. The bank accepted the funds and put them in someone else 's account. The first I contacted US Bank back in the summer of XXXX, they told me they could not locate the funds and that it must be an error on the State of Iowa 's side. After waiting months to get help from the State of Iowa 's accounting department, Iowa 's bank ( XXXX XXXX XXXX had transaction proof of US Bank accepting the money and provided me with a transaction ID and sent multiple letters to US Bank requesting the funds be returned. US Bank has ignored every letter and most recently said they have 90 days to respond anyway... I called US Bank customer service in XXXX XXXX XXXX. I ended up getting to the claims department. They sent me a claims form to fill out. Within a day, I got a letter in the mail that my claim had been closed because they did not find the funds in my account. That is the problem! Of course they didn't find them. I, then, contacted my local US Bank branch on XXXX and talked with XXXX XXXX. She did some looking into my incident on XXXX and said they did find the funds in another person 's account//the incorrect account number! She said they were going to reach out and try to get the person to return the funds. I asked what if they refuse or do not get in contact with them. She would not tell me the next steps or a solution to that even though they had already tried to call that person once with no answer. It is now XXXX and I have not heard back from US Bank.
Consumer complaint received 2024-04-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BSI Financial Holdings, Inc. (ID)

Status of change with employment, reached out to the mortgage company to request a deferment. This was submitted 7months ago, I have not been keep in the look or given any new information about what the process is looking like. Every attempt to email my rep directly comes without a response. So now Im selling my house as to avoid a foreclosure on my name. The only information I get is when I call them directly and I just get the same - we are behind, you wont lose your house, everything is on hold, etc however everything is not on hold as they are reporting to my credit. And they did tell me that they would fix that at the end of everything. I have never been in a situation like this before so Im not sure what to do other than sell my home before they respond.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company (CT)

I purchased this home in XXXX of XXXX. The original acquisition price was {$390000.00}. I took out a mortgage for {$370000.00} at 3.625 % for 360months. If you do the math, 78 % of that original purchase price is {$310000.00}. I have included in my complaint a screen shot from the Freedom Mortgage mobile app indicating the remaining balance of mortgage, currently {$310000.00}. I have also included a monthly statement. 
I contacted my servicer requesting the PMI to be removed from my payment. They told me I had to submit that request in writing. So, I did on XX/XX/XXXX. About a week later I received a letter in the mail from Freedom mortgage ( included ) stating that my loan is currently not eligible to have the PMI cancelled based on the original value of the home. I called on two occasions to speak to my servicer about their findings. All the four representatives I spoke to told me the only way this would be considered is to pay {$190.00} for a BPO to see if my value has appreciated enough to meet the criteria. 
I debated this with them ; stating I do not need to go off my current value, which I know is significantly higher than what I purchased the home for. They acknowledged that I have never been late on my mortgage and that my current balance is below 78 % of the original value. They could not explain why they were not permitted to remove the PMI. The last representative I spoke to explained that XXXX XXXX, the investor on my loan, changed their policy in XXXX stating that the new requirement to remove the PMI from a loan is now 75 %. 
I disputed this with them as I researched this on the CFPB website. I also asked them if the rule changed in XXXX, are they sure this is applied retroactively to loans closed prior to that date? They told me yes.
Consumer complaint received 2023-02-14
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. (GA)

I have called and sent disputes for something that has adversely affected my credit. A comenity bank ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was Comenity Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

I'm citing the Fair Credit Reporting Act 15 USC 1681 section 602a which emphasizes the importance of consumer reporting agencies treating consumers fairly, impartially, and respecting their privacy rights. XXXX and XXXX, as consumer reporting agencies, must adhere to this. As a consumer, I have the right to ensure my private information isn't shared, as supported by 15 USC 6801, which stresses financial institutions ' obligation to protect customer privacy. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only furnish consumer reports with written consent, which I haven't provided. Any consent previously given to XXXX, XXXX, or the furnisher of information to credit agencies is revoked. 15 USC 6802 ( b ) ( c ) mandates financial institutions to inform consumers of their right to opt out of information disclosure, which hasn't been done. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items without permission. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits furnishing inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations. XXXX and XXXX are not meeting these standards. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time, and I am opting out of their reporting services.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

2 months ago, I sold my crypto currency on Coinbase for USD. I am unable to add my bank account to transfer my funds. I receive the error message you are unable to add a bank account at this time, please contact customer service I have spoke to countless customer service representatives about this issue, provided all documentation they are requesting, selfies, answered every single question theyve asked, etc. only to be continually given the run around from every single rep that they are addressing the issue and will get back to me within 3-5 days. They simply do not follow up. I then reach out to another representative and this ridiculous cycle starts all over again. This is absolutely criminal and predatory on Coinbase. They are intentionally and purposefully withholding my money under the guise that they need additional documentation on my part which is false as Ive provided everything and have been more then compliant.
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. (OH)

I have filed over XXXX reports to the CFPB against XXXX & Experian 's inaccurate reporting already. They are not removing fraud on my credit report and need to be ordered to remove it without an investigation. 

They are wrongfully verifying the fraud as accurate and not providing details on how it could be.
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor may not treat a late as late for any purpose payment on an account TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SYNCHRONY FINANCIAL (KS)

Synchony Bank ( XXXX XXXX XXXX, XXXX, PA, XXXX ) has instituted a fee for receiving a paper statement for transactions after XX/XX/24. Demanding all credit card accounts to only get an online statement is detrimental to those without ready access to online systems. Not all consumers have, or desire to, access credit card statements online. To charge a fee for what should be a standard consumer access to mailed statements is unfair to consumers. Since Synchony has several cards tied to companies that require a specific credit card ( Synchony ) for discounts or other features this is an unfair additional cost to consumers.
Consumer complaint received 2024-04-24
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: WELLS FARGO & COMPANY (LA)

XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX. Any information to prove that I authorized these companies to pull my credit report. However, I never received anything and XXXX XXXX  is located in XXXX XXXX, LA where I aside and they said it was done online which I never did and they did provide dates.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent the credit bureaus letters asking them to verify the debt on my credit report. They have sent back stating that everything is verified correctly for the account of Capital One # XXXX. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

I requested an investigation of my accounts was not done correctly, or In Accordance With the Fair Credit Reporting Act. These accounts can not be reported as being open And closed at the same time monthly. These accounts need to be deleted because it is damaging my credit. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, they are show inaccurate information. XXXX XXXX XXXX Account # XXXX violated my federally protected rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX. Correct Name : XXXX XXXX XXXX.
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (WV)

I have banked with American Express National Bank for years. I recently added my son, XXXX XXXX, to my account as a sub account holder. XXXX also recently started a job at the same place where I work. i was out of town this weekend and noticed that my account had been frozen and when I called, they informed me that is was 'Under reivew XXXX and they would let me know their decision in 2-3 business days, in the meantime giving me no access to my only source of income and leaving me stranded without funds. They gave me no reason as to why and there was absolutely no email, call, txt or any form of communication letting me know that my account was going to be reviewed which goes against their own privacy and procedure policy. The only reason I could think of that they would review my account was because my sons direct deposit was put into my account but since he is on the account there should have been no issues and it is ridiculous that they would hold my entire account for what could have been resolved with a simple phone call. This is my only source of income and now they have taken my access to my funds and I need this resolved immediately!