davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
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. (TX)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX. XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX To Whom it may concern, Good evening Transunion XXXX how are you doing today? Im wonderful! On XX/XX/XXXX File number XXXX you Verified these accounts Accurate. The following accounts have been in Collections since ( XX/XX/XXXX ). Since then the accounts have repeatedly been updated as a collection every month. This is an update in the payment history which to my understanding collection accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX US DEPT OF EDUCATION - XXXX Best Regards, XXXX XXXX
Consumer complaint received 2022-05-26
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. (MO)

In 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

This account was open for XXXX XXXX. The balance was paid and the account closed. The current balance is from Comenity bank adding late fees and finance charges. I have called XXXX times and the reps say Sorry, we can not remove fees on a closed account. Clearly, they have no problem adding false charges to a closed account. This XXXX Charge Off balance is XXXX percent late fees and interest on a CLOSED ACCOUNT. I will never shop at XXXX again because of the unethical bank they use to manage their credit card. You can see from my past history I have paid all balances in full every month on every credit card I have. Some monthly balances are as high as XXXX per account but they are paid in full monthly. I have had an XXXX credit score for years.
Consumer complaint received 2021-09-30
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. (FL)

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to XXXX  on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a zero balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, Experian, XXXX and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 

Please see the attached letter of the certified tracking numbers for letters that was sent out
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights Navient and XXXX  account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

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 reason to believe that the information is inaccurate
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

This claim is directed to CItibank , N.A . Specifically, I believe that Citi is in violation of its regulatory obligations under Reg E and the EFTA by rejecting a debit card claim that I filed with that institution, even though I provided clear proof of my assertion that the debit card charge at issue was unauthorized. 

Citibank 's Case ID for this matter is XXXX ( debit card ending in XXXX ) Here is the relevant background : In response to my completing an online survey, I was offered a choice of free gifts. I choose a set of XXXX XXXX  to be provided by a company called XXXX XXXX XXXX XXXX ( the " Seller '' ). The Seller sent me an invoice confirming that the only payment involved was one for {$9.00} for shipping and handling. I am in possession of an invoice from the company, dated XX/XX/2021, confirming that the " Item Tota '' for the XXXX XXXX was {$9.00}. Shortly after, I received the merchandise and, shortly after that, on XX/XX/2021, I received another invoice for the same product for {$100.00}. My Citibank account was debited for this amount on the same date. 

This debit is absolutely unauthorized. I never agreed, either verbally or in writing, to purchase merchandise from Seller and this is not a merchant dispute. The actions of Seller are improper and may be evidence of unlawful sales practices. However, what is of greatest concern to me is that a federally chartered financial institution has engaged in conduct in conflict with the provisions of Reg E.

I provided Citi 's debit cards complaint group with copies of all emails between Seller and myself as well as copies of two invoices for the same product, with the {$9.00} invoice clearly confirming that it was the only payment due. As I did not agree to purchase anything from Seller, the transaction was not authorized and, Seller had no right or authority to initiate a debit against my account for {$100.00}. Accordingly, pursuant to the applicable claim review provision of the regulation, my claim for {$100.00} should have been honored.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX  XXXX  XXXX  ( ORGINAL XXXX  XXXX  )
Consumer complaint received 2022-05-26
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. XXXX Accounts below violated my rights 15. U.S.C. 1681 Section 602 A- states that I have the right to Privacy. 15. U.S.C. 1681 Section 604 A Section 2 - Consumer Report Agency can not furnish an account without my written instructions. Please see account below CHAPTER XXXX BANKRUPTCY - ACCOUNT XXXX XXXX. XXXX -ACCOUNT # XXXX XXXX XXXX XXXX ( ORGINAL XXXX  XXXX  )
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (UT)

My contract with XXXX was up. I was no longer able to view my account online, and after numerous attempts with customer service, I still could not view my account or see what I was being charged. 
I then switched accounts to XXXX and paid out the remaining days of the billing cycle that actually used the XXXX service. The day I switched to XXXX, I again contacted XXXX to cancel and they said when I ported my number over to XXXX, my account cancelled automatically. 
This amount this company is trying to collect on is for time AFTER my contract was over and cancelled. I DO NOT OWE THIS.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

They promised to provide, {$300.00} credit statement after purchase, when I called them they said you are not eligible. Amex makes false promises and they don't have the courtesy to inform on the same, there was no communication on why I was not eligible and what happened. This is a fraud they do to their customers beware of these scammers. Amex you are the worst.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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 2021-09-30
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. (TX)

There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX XXXX, and are reporting two collection accounts with XXXX XXXX  and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Like many people, my family and I were impacted financially by Covid 19. In XXXX of XXXX I was laid off from my position of eight years because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due a few payments with my Capital One Credit card ending in XXXX, and one payment on my Capital One Auto Loan ending in XXXX. 

Fortunately things are starting to get back on track now. I have completed a payment plan with Capital One on my credit card mentioned above that has now brought me current, and also have brought my Auto Loan current. I reached out to Capital One in regards to removing these late payments since they were caused by a natural disaster, and I have been told that my Credit Card is marked as restricted. The only way to lift this restriction is too make the next three months minimum payment on time, even though the account is current. This was not stated in my Terms and Conditions when setting up this payment plan to bring the account current. Because of this restricted status, their Account Resolutions Department is unable to help me with removing the late payment from my credit report. 

I take great pride in my credit as it was over a 700 prior to the financial impact of Covid 19. 

I am requesting that Capital One lift the restricted status of my Credit Card ending in XXXX and also remove the late payments for this card for XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and any others that have not reflected for this account yet. I am also requesting they remove the late payment for my Auto Loan account ending in XXXX for XX/XX/XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless many years prior to the Pandemic. 

I have attached two files to this message. One is my notice of separation from the company I worked for when the pandemic hit, the other is the terms and conditions I received when my payment plan was set up with Capital One to bring my payments current. Nowhere does it state that my account will be restricted or that I will have to make an additional three months consecutive payments to lift this restricting.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IN)

I have an American Express Bluebird prepaid debit card that my payroll check is deposited to. On XX/XX/2019 I made a purchase for {$390.00} at XXXX XXXX XXXX. I returned a medication they gave me for a {$120.00} credit back to my card on Tuesday, XX/XX/2019. The charge was credited back to me on Friday, XX/XX/2019, but American Express immediately took the money out of my account as a " Hold For Review '' When I called to ask why the money was being held, I was told that they have to hold the credit for an additional 7 days for verification that the credit is valid. I talked to XXXX.
Consumer complaint received 2022-05-26
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. (MD)

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # XXXX 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. 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 reason to believe that the information is inaccurate.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I have been disputing this account for some time now with AD ASTRA RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2024-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Mercedes Benz Financial Services (WI)

XXXX XXXX ( car salesman ) and XXXX XXXX ( finance manager ) approved me for purchase of a vehicle. XXXX drove the vehicle from Mercedes XXXX XXXX to my home in Wisconsin. When he arrived, he called XXXX to report that I signed the contract, " accepted for honor '' and " without recourse. '' XXXX then instructed XXXX to take the vehicle back to IL and they canceled the entire transaction. Additionally, XXXX was to take my leased Mercedes back to IL, to hand in for lease term. I was approved to purchase my lease, initially, but was told I could not have XXXX car contract simultaneously, which I later learned was a complete falsehood. Since XXXX did not take my lease back and XXXX canceled the transaction, Mercedes contacted me several times, asking why I had not turned in my lease and threatened penalty fees. 

The entire process was extraordinarily unlawful, unprofessional and violating as they requested my SS # via text message ( attached in photos ) sent me numerous messages ( which I have kept record of ) indicating my credit approval and financing, photos of vehicle, etc. I now further understand dealership contract fraud and will be conducting a forensic audit on Mercedes application and financing contracts. My credit score was XXXX and due to the fraudulent transactions, it is now XXXX. Mercedes reported a hard inquiry along with XXXX additional inquires ( attached ) and XXXX XXXX captured my credit XXXX times. I have reported this to the CFPB and have not received a response from Mercedes or XXXX as of yet. I will be pursuing further action with regulatory authorities and UNIDROIT if I do not receive rightful remedy credit repair and compensation for what Mercedes stole from my treasury account.
Consumer complaint received 2021-09-30
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: Experian Information Solutions Inc. (CA)

Hi good morning I sent a certified mail package of my 609 letter to verify this information and show me the debt belongs to me. This was verified received by Experian XX/XX/2021. I have not received any mail at all regarding this dispute and my verification and it is now XX/XX/2021. 
I did receive one email stating my dispute results are ready and its been verified. That is not the info I asked for and not once did I agree for communication through email. My email was not even stated on my documentation I sent off. XXXX XXXX and XXXX have successfully removed my collection in regards. Experian needs to look over more closely my documents and request cause they did not handle it correctly and properly!!
Consumer complaint received 2021-09-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridge IT, Inc. (TX)

I sent a request on XX/XX/XXXX advising that we were recovering from XXXX. They responded to me advising to pay whenever I am able to. From there I continued to be bombarded with emails and text messages. On XX/XX/XXXX I responded to one of their emails requesting they stop contacting me. They emailed twice on XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. I sent a Cease and Desist request on XX/XX/XXXX and again received another email on XX/XX/XXXX, where I resent a Cease and Desist request. I received several more emails on XX/XX/XXXX, another email on XX/XX/XXXX, and another email on XX/XX/XXXX.