davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

GIVING NOTIFICATION THAT THE CREDIT REPORTING AGENCY have broken XXXX Codes of consumer law. 

The agency has been put on notice. 

XXXX XXXX Secured # XXXX 15 U.S Code 1666b Timing of Payments ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

15 U.S. Code 1666 Correction of Billing Errors 15 U.S. Code 1681B Permissible Purposes of consumer reports The bureaus are suppose to use maximum possible accuracy
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (TX)

My card got locked for " security purposes '' when I tried to transfer money to my bank account in the beginning of XX/XX/2020. I called to resolve the problem and they said they needed ID verification and gave me a number to fax it to and my card ID to identify my account. I sent it twice after seeing my account was still locked after almost 2 weeks. I called back again and they said they would request to find the fax. I gave them the time and date of when I sent the last fax which I believe was on XX/XX/2020. They said it would take around 5 days to retrieve it and unlock my account. I called back a week after and my account was still locked. When I asked again what else I could do, they hung up on me. Almost every time I called I waited from 35-50 minutes for an answer and some of the times, it sounded like someone hung up before even answering after around 40 minutes. I wrote a letter possibly 3-5 weeks ago explaining the issue and asking for it to be fixed along with the confirmation paper of my last fax in XX/XX/XXXX that showed the picture of my ID, yet my card is still unlocked. I called earlier and was on the line for 44 minutes waiting for an answer just to have the call disconnected as if someone hung up again, when answering. This problem has been going on too long and I don't find any other solution. Attached is a picture of my drivers license.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

Venmo is failing to adhere to their stated procedures for resolving customer complaints, including customer complaints that have regulatory implications. The terms of service advise contacting Venmo through chat, but the chat service has been converted into a chatbot that can not accept customer complaints. As you will see from the attached screenshot at XXXX XXXX EST ( XXXX Central Time ), they have deactivated live chat, though they falsely claim that it is still available.
Consumer complaint received 2017-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I had a card with   XXXX   XXXX   XXXX  , well i fell on hard times and was  XXXX  i missed  XXXX  payments and they garnished my  XXXX  check for  XXXX  yaers i made payments of  XXXX  and then they took my tax refund from a tax offset of  XXXX . The card was a  XXXX . Limit. And listed on my credit bureaus was  XXXX  with late pays.. with making payments of  XXXX  a month for 2 years is not even close to oweing them over  XXXX . They owe me a refund when i told them of their oversight they told me i never paid them.. even thou i have all the  XXXX  payments made to them. I do not feel they are justified to steal someones money just cause they can for 2 years they took payments and then they take  XXXX  from tax refund.. how is that legal. I wrote them  XXXX  letters and  XXXX  emails. They refuse to make this write. Please help me.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/2023 as I attempted to login to my mobile banking app I received a notice advising that the application had been locked due to suspicious activity. Prior to the application locking I had logged in a number of times as I expected a deposit from a new job that I recently started. I reached out to a customer service representative at the number provided by the app and was immediately advised that the account was being closed with the reasoning of there is not a reason the bank can close the account at any time. ON XXXX XXXX I reached back out to see if that information provided was accurate. I was now advised that my account only needs to be verified in branch with 2 forms of ID to be unlocked. Later in the evening on XX/XX/2023 I reached back out to customer service as my account balance had changed which reflected the deposit but as I attempted to use my debit card it advised that it was locked. I also received an email stating that the account was restricted and may close soon. The email prompts me to login to the application to review the letter as I have paper-less notifications setup. I brought this to the attention of the rep to see if I could get a clear answer of what the notice is advising, if I do need to verify the account and how I could obtain the funds on the account. I was advised that no information could be provided and that I would have to refer to the letter. I am very disappointed and feel that the bank has acted both without reason or concern for the customer. Im in cycle of not knowing what to do and not getting any answers. I really can not think of any reasoning that the account would be closing and why Im not allowed to know what is taking place on the account.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Two years ago I got approved for a loan which put my life on hold due to the APR being high the amount is high. The value of the car is at XXXX. I am paying more now than what the car is worth on top of it all the car broke down and Im still receiving phone calls from them the bank stating that they will add that to my credit history like theyve been doing which bought my credit score down which Im not liable to get another vehicle at the present time the repairs of the car is running about XXXX which they sold me a bucket which is a 2011 XXXX XXXX if I know what I know now and how is it going to put a dent on my future plans and now I wouldve never went through it can you please help
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I have disputed addresses on my Experian credit report and they are from 7 to 10 years ago along with even later. I was in jail a very long time ago and its still reported as inmate. I want this off of my credit report! XXXX and XXXX took them off and Experian will not even after the dispute. It makes it even harder to get credit with my past history on there as an inmate. Its been so many years ago. I want it all removed!
Consumer complaint received 2023-02-06
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. (CA)

On XX/XX/23 I received notification from XXXX that a hard inquiry was placed on my credit report. Someone applied for a credit card with Comenity Bank under my name. I have not applied for any credit cards recently. There is already a fraud alert and Comenity Bank should not have allowed an application to proceed.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (IL)

On XX/XX/XXXX I saw a 'collections ' on my credit report at XXXX XXXX for XXXX dollars from XXXX XXXX  XXXX XXXX XXXX This was unrecognized charge. I filed a dispute with XXXX. XXXX stated that the results of the dispute showed it was legitimate. 
XX/XX/XXXX I contacted ProCollect debt collections. They confirmed this charge under my social security number, yet could not provide a name associated with the account. They also FAILED to provide me a debt verification letter. The {$130.00} debt was assigned XX/XX/XXXX and I have NEVER received a debt verification letter. Furthermore, XXXX XXXX XXXX, the employee I talked to at ProCollect, stated that the debt had already been paid but could not provide any details as to how or who paid it. This was not me. I am VERY concerned about identity theft and immediately requested on Procollect 's website a debt verification, as instructed by XXXX XXXX. It has been a week and they have not gotten back to me. I am filing this complaint because of ProCollect 's FAILURE to provide an initial verification letter when the debt first posted, so that I could dispute its validity, and filing this complaint because now they still are FAILING to provide debt verification when I am ready to report identity theft to the authorities.
Consumer complaint received 2024-03-26
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. (NC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I called to cancel my capital one venture x credit card ending with XXXX to get my annual fee fully refunded. The representative helped me say I will get my annual fee back because I was within their time limit. The representative confirmed my annual fee charged time. The representative also explained how long the refund would take. 

On XX/XX/XXXX, I called again to follow up on my refund process. The representative also assured me that she would escalate the case and I would get my money back because it was within 40 days. She confirmed my annual fee charge time and card closure time. However, on XX/XX/XXXX, I was told that after review, I would not get my annual fee back because I closed my account 42 days after the annual fee was charged. 

I was misled by two of the representatives and left without a product to use and paid a whole year of {$390.00} annual fee. I demand to get a refund of my annual fee and ask capital one to not making customer to paid for their lack of coaching on their employee.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reporting XXXX XXXX  account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XXXX XXXX XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct. 
NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MS)

We currently have a mortgage with Cardinal Financial Company , Limited Partnership. We purchased our home XX/XX/XXXX. Our initial mortgage payment was {$2300.00}. We filed our homestead for the property taxes in XX/XX/XXXX which was {$2100.00}. The company analyzed our escrow account in XX/XX/XXXX stating it was short due to the property taxes going to be {$2900.00}. The amount was {$2900.00} but when we filed homestead it came down to the {$2100.00}. We forwarded the necessary paperwork to the company showing that the payment was {$2100.00}. They confirmed that they received it ; however they stated that the paperwork wasn't sufficient enough. They took our mortgage payment up to {$2400.00} and we started that payment in XX/XX/XXXX. We continued to make our payments. In XX/XX/XXXX they paid the {$2100.00} for our property taxes instead of the {$2900.00}. But in XX/XX/XXXX they analyzed the escrow again by anticipating that the property taxes would be {$2900.00} for the XXXX year. We contacted them on today XXXX XXXX and was told we have to submit the homestead paperwork every year. In the State of MS , you only have to file homestead once. They are over charging our escrow account and owe us a refund.
Consumer complaint received 2017-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

A loan modification was denied and an appeal was faxed over to the lender. Since it was n't emailed to the correct department they refused to review the request. A notice of error was submitted today requesting a copy of the guidelines listed for the denial. A 20 % reduction in P & I is not a RESPA guideline and the homeowner shows he can afford his payment without that reduction.
Consumer complaint received 2023-03-01
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. (CA)

This is my follow-up 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-13
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX Dept of ED./ NELNET XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Nelnet customer service team XX/XX/XXXX Re : Notice to Cease Contact, account number XXXX To nelnet customer service team : This is a warning notice to the alleged wrongdoer of such debt which you're a debt collector because you are simply attempting to collect an alleged debt. I noticed ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), there is evidence of use of abusive, deceptive and unfair debt collection practices resulting in the infringement of my intellectual property rights. 
According to USC 1692c ( c ) ( 2 ) i am invoking my specified remedies as a consumer and i am demanding all of the following : 1 ) Zero out the balance of this account 2 ) provide my name a consumer and natural person, with documentation showing the account was zeroed out via mail 3 ) cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XXXX XXXX XXXX ) removing ANY and ALL reporting of the debt collection activity to all consumer reporting agencies This is to give you notice to cease all contact with me or anyone else except the creditor about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice to you to cease all further communications with me. If you must contact me, please do so in writing and not by telephone.

I look forward to your acknowledgement that you have received this notice by XX/XX/XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
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)

The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-11-24
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)

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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