davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (PA)

Remote account Barclays opened late XXXX. Wire to wire deposit XX/XX/XXXX of {$42000.00} from a transmitting bank. Several hours later account was locked out. No further transactions occurred. We receive the Barclay bank statements, interest, and pay the relevant taxes to IRS. There is no access to the account. Originally it was thought that there was a failed hack, resulting from weak internet security ; the lockout was logical. Roughly a year latter XX/XX/XXXX, a bank representative disclosed that the lock out occurred, when linkage to a second bank for further transfer had failed. Without the account lockou, this was not pursued. Unfortunately interacting with Barclays was been rather difficult, with readjusted stipulations or requirements to unlock the scount. They have requested statements from our other two banks in conjunction with other stuff ( driver license, .. ) to unlock the account. Those other two banks have warned us not to comply. Barclays unfortunately works through telephone representatives and uses readjusted stipulations with each contact ; nothing written. We remain at an impasse with regard to recovering our funds and due interest. There was a complaint filed with State of Delaware, though response from that ia way overdue ( 75+days, rather than indicated 30 or 45 )
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Bank of America continues to engage in malicious and unfair business practices that harm the consumer. I have a checking account and Credit Card account with BofA. My credit card payment of {$440.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I went into their mobile App, and clicked Pay. I entered the amount of {$440.00} which was the minimum due, and selected today 's date of XX/XX/XXXX. I submitted and received a confirmation. I checked my account later and the funds had not been taken from my BofA Checking Account nor did the Credit Card showing a pending payment. I have had issues with BofA handling payments in the past so this made me nervous. I went back into the BofA App into their 'Bill Pay ' section which showed a 'scheduled " payment of {$440.00} from my Checking Account to my Credit Card account for XX/XX/XXXX. Since it was not sent, and neither my Checking Account nor my Credit Card account showed the pending transaction, I cancelled the scheduled payment of {$440.00} for XX/XX/XXXX on XX/XX/XXXX and received confirmation on-screen that the transaction was cancelled. I then went into the BofA App and went to Transfers, and selected Make Transfer. I selected to transfer {$440.00} from my Checking to my Credit Card on XX/XX/XXXX and received on-screen confirmation of the transaction. I checked my account and both my checking account and credit card account now showed the pending payment. I checked the Bill Pay section again and it showed there were no other Bill Payments scheduled and no pending transfers. I checked my account on XX/XX/XXXX to see that my {$440.00} transfer was pending along with another {$440.00} Bill Payment which was previously cancelled. I've spoken with BofA and they are not willing to do anything when the transaction is 'pending. ' For reference, my checking account had exactly {$440.00} in it and somehow BofA thought they would take {$880.00} leaving my account overdrawn by {$440.00} and charge me a {$10.00} overdraft fee so the account balance is now - {$450.00}. This is probably the 6th time I have had this situation occur with Bank of America. They continue to take multiple payments that are either not authorized, are duplicates, or previously cancelled transactions. They offer no support and refuse to claim responsibility for these mistakes.
Consumer complaint received 2022-05-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX XXXX I sent a letter to the company requesting several late payments reporting to my credit to be updated and corrected as well as several inaccurate accounts to be deleted. It has been well over 30 days and I have not received an update regarding this information. Also, I am still showing these accounts being reported to my credit file.
Consumer complaint received 2022-05-24
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. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My statement balance of XXXX XXXX is {$3800.00} and due on XXXX XXXX. 
On XXXX XXXX I made {$1000.00} payment. On XXXX XXXX, {$800.00} payment. XXXX XXXX, another {$1000.00} payment was made. XXXX XXXX ( due date ), {$1000.00} payment was made as well. Totaling {$3800.00} payment by the due date leaving an unpaid balance of {$8.00}. 
On XXXX XXXX, a {$2500.00} payment was made covering the remaining balance of {$8.00}, any interest charged on top of the unpaid balance, and any new transaction. When I looked at my statement, there was {$23.00} charged in interest. I contacted Capital One Bank about it. They said the interests are changed on top of XXXX XXXX XXXX including new transactions. So, I inquire if I had made no payment but the minimum, I would still be charged the entire {$23.00}, they said yes. 
My main concern is XXXX as I never experience anything similar to it XXXX : is this practice legal? Or should they only charge interest on unpaid balance? It does not make sense to me that a bank would adopt this practice if not to steal from customers.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC. (CA)

On XX/XX/XXXX, I went to XXXX to ship a mattress cross country- they provided me with a quote at the facility of roughly {$250.00} - ( Quote # XXXX ). I was also given a discount code XXXX. 
I was also told by the woman at the facility that I would be charged upon delivery and left the facility to begin our cross country trip. 2 days later I received a call from XXXX saying they failed to account for the weight of the shipping pallet when calculating the cost so the price would actually be closer to {$700.00}. I told them that due to them not honoring their quote we will be cancelling the order. I said that they can donate the mattress or throw it away - due to the circumstances it is now their problem to deal with as I was already halfway across the country. 
I got the email address of the individual I was speaking with a XXXX and sent them a follow up email solidifying the conversation we had just had on the phone. I thought that was the end of it. 
Flash forward a year to XX/XX/XXXX, they reached out to me again for payment and I referred them to the original emails sent out, and told them that the order was cancelled due to their inability to honor their quote. Furthermore- the mattress was never even delivered so their claim that I owe them money is preposterous. 
Flash forward to XX/XX/XXXX, my landlord in DC ( whose house the mattress was going to be shipped to ) began sending me emails that she has been getting hounded by XXXX  that they had exhausted all options in collecting their money so they were turning the debt over to a collection agency. 
Somehow the debt is now under my previous landlord 's name ( perhaps because she is the owner of the home ). However, she did not place the order or have any correspondence with XXXX. The debt collection agency will not talk with me because the debt is not under my name, however, I don't want to sign anything from them saying that the landlord is not involved because that could be viewed as an admission of guilt on my part in the eyes of the debt collectors.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 


Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX  i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

It all started on XX/XX/XXXX when Discover incorrectly reported my balance to credit bureaus. The balance for my statement cycle ending on XX/XX/XXXX was {$190.00} and they reported around {$300.00} or {$400.00} to credit bureaus at the time. 

When I contacted them to correct it, they ended up reporting my balance in the middle of my following cycle. This random reporting had an immediate negative impact on my credit score as I have a habit of paying at least 90 % of my balance right before my cycle closing date- when it normally gets reported to credit bureaus. That unexpected mid-cycle reporting dropped my credit score by more than XXXX points at that time but I decided not to escalate this matter and just pay down my balance by my next cycle closing date as I normally do. 

Consequently, I reduced my balance to {$480.00} on my next statement closing date of XX/XX/2022 ( to maintain a sub 10 % utilization ratio on this card ). Unfortunately, Discover card once again decided to report my balance randomly, in the middle of my cycle, on XX/XX/2022. This unplanned and erratic reporting increased my utilization ratio to 48 % and cost me yet another XXXX points on my credit score, right at a time when I'm shopping around for new auto loans and I need my score to stay as high as possible. 

When I contacted Discover about this, they advised that the report on that date was due to the fact that I reported a lost card and requested a replacement card. The problem with this is that at no point in this process was I proactively advised that the issuance of a replacement card would prompt my balance to be reported out of cycle. Moreover, it was not the first time I had replied a card with Discover and the previous instance did not prompt a random reporting of my balance on that day. Finally, I also replaced my cards with two of my other credit card companies ( XXXX XXXX and XXXX ) in the same fashion on that date. Yet, these two other credit card companies DID NOT report my balance to credit bureaus the way Discover did. This action that negatively impacted my financial profile was unique to Discover.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

These accounts were taken off of my XXXX. I do not understand why they are still verified on my XXXX and my Experian. They were taken off because they were unverifiable and inaccurate. Please remove these account immediately.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-05-24
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. (GA)

I have sent XXXX letters to all XXXX bureaus about late payments that are showing on my credit report. They have ignored my requests and refuse to remove them. I know my credit laws and this is a FCRA violation. 

I would like the following late payments removed from my credit report immediately. 

XXXX Account number : XXXX Remove late payments for XX/XX/2021 & XX/XX/2021, I was never late on these payments. My report should say paid as agreed. 

SEE ATTACHED.
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under A open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (NY)

XXXX XXXX XXXX XXXX XXXX Ny XX/XX/XXXX XXXX down payment XXXX XXXX XXXX Loan from Chrysler Capital Bank Vehicle repossessed lost my job, bank sold the vehicle and there is a remaining balance, vehicle was rendered inoperable several times with multiple mechanical issues. I experienced financial hardships as well as not having a vehicle too. There were a lot of out of pocket expenses including towing and repair. I complained to bank and dealership, basically I was sold a lemon.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I was always told my customer service to do a Forbearance which resulted into my loan amount increasing dramatically. I was never told about the income based repayment until i asked about it even though everytime I called about my student loans I stated that i could n't afford the payments.