davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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. (FL)

In accordance with the Fair Credit Report Act- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These companies have violated my rights 15 USC 1681 section 602 8 states I have a right to privacy.

15 USC 1681 section 604 A section 2 i, also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2022-05-25
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. (FL)

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

2. 15 U.S.C 1681 section 602 A, states that I have the right to privacy.

3. 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2019-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (DE)

I was an authorized user on my mother 's credit card account with TDBank. 

In XX/XX/2019, there was a balance of {$1.00} that was past due. My mom promptly paid off the balance and closed the account with TDBank ( she felt that it was very unfair that her account almost went into collection because of a {$1.00} - likely a rounding error when she made payments on her account. ) She ( and I ) have always paid off our balances every month before, during and after this incident.
Consumer complaint received 2022-05-25
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. (NY)

in accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-24
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: JPMORGAN CHASE & CO. (PA)

In XX/XX/2019, I called & informed Chase Bank of my financial hardship due to wrongful termination from a previous employer.I wanted to pay my debt with Chase Bank and they informed me that if I enrolled in a " Re-age Balance Liquidation " program & made 3 payments of {$160.00} from XXXX XXXX XX/XX/2019, then my account would be forced current & reported to the credit bureau as current. 

I completed my consecutive payments of {$160.00} between the 3 month time period and my account was reported as current/non delinquent to the credit bureau on XX/XX/2019 and my last payment was submitted on XX/XX/2019 ( Before the due date of XX/XX/2019 ) which added up to {$490.00}. 

On XX/XX/2019, I spoke to Chase Bank to verify if my account was current and I was informed that it was current. On XX/XX/2019, Chase Bank reported my account as delinquent to the credit bureau as 90 days past due in the amount of {$400.00}. 
I called Chase Bank about this issue & they informed me that my account is not current although I completed the " Re-age Program '' and paid them {$490.00} within the 90 day period.
Consumer complaint received 2016-02-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

My loan was transferred from XXXX XXXX XXXX to RCS in XXXX XXXX. Since the transferred RCS has put us through XXXX trying to obtain a loan modification. Despite receiving verifications of all of our income stream, which is {$9300.00} a month, they only choose to use my Social Security of {$2600.00} a month. XXXX more than once has Dual Track our loan, the latest was a letter dated XXXX/XXXX/XXXX, titled Notice of Default and intent to Accelerate, which was followed by a letter dated XXXX/XXXX/XXXX, was a combination of a denial letter and a pre-foreclosure notice. This is totally against the California Homeowners Bill of Rights. I have submitted another full package which includes pay stubs, XXXX, annuity income and social security income in support of the {$9300.00}. I anticipate, RCS will begin to nit pick, and claim not to have received the documents.
Consumer complaint received 2022-05-25
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. (NY)

in accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There are several inaccuracies on my credit files with both XXXX and Equifax. I will list the inaccurate/fraudulent accounts and the inaccuracies that show on each report. 

Inaccurate/Fraudulent Account XXXX XXXX XXXX XXXX XXXX - Shows nothing under " Status '' on EQUIFAX, XXXX Collection account. {$19000.00} written off. '' on XXXX, and the account doesn't show at all on XXXX. 
- Account Name shows as " XXXX XXXX XXXX XXXX on XXXX, " XXXX XXXX XXXX '' on EQUIFAX, and the account doesn't show at all on XXXX. 
- XXXX XXXX shows as {$900.00} on Equifax, as nothing on XXXX, and the account doesn't show at all on XXXX. 
- Account type shows as " Installment '' on EQUIFAX, as " Auto Loan '' on XXXX, and the account doesn't show at all on XXXX. 
- Payment History shows as " ND aka NO Data '' for XXXX and XX/XX/XXXX on XXXX, as " XXXX XXXX '' for XX/XX/XXXX and " ON TIME '' for for XX/XX/XXXX on EQUIFAX, and XXXX account doesn't show at all on XXXX. 
- Payment History shows as " ON TIME '' for XXXX and XX/XX/XXXX on EQUIFAX, as " Collection '' for XXXX and XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 

Inaccurate/Fraudulent Account XXXX = XXXX BANK - Payment History shows as " ON TIME '' for XX/XX/XXXX on EQUIFAX, and " Charge Off '' for XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 

Inaccurate/Fraudulent Account XXXX = XXXX XXXX XXXX - XXXX History shows as " On Time '' for XX/XX/XXXX on EQUIFAS, as " Data Unavaliable '' for XX/XX/XXXX on XXXX, and the account doesn't show at all on XXXX. 
- Highest Balance shows as " {$520.00} '' on EQUIFAX, as " {$520.00} '' on XXXX, and the account doesn't show at all on XXXX. 
- Balance shows as " {$500.00} '' for EQUIFAX, as " {$500.00} '', for XXXX, and the account doesn't show at all on XXXX. 
- Credit Usage shows as " 101 % '' on EQUIFAX, " 100 % '' on XXXX, and the account doesn't show at all on XXXX. 
- Account number shows as " XXXX '' on EQUIFAX, as " xxx '' on XXXX, and not at all on XXXX. 

UNDER 15 USC 1681e ( b ) any inaccuracy on a consumers report, the account should be removed immediately. Copies of each report from each consumer reporting agency have been attached so the inaccuracies can be reviewed. I also included a copy of my Passport and SS Card. Thanks for your assistance.
Consumer complaint received 2022-05-25
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. (TN)

In accordance with the Fair Credit Reporting Act US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-25
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. (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A, I have the right to privacy, 15 U.S.C 1681 section 604 A section 2, it also states a customer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commercial Acceptance Company (PA)

Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately. 

Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (CO)

I was affected by the XXXX XXXX XXXX XXXX  during the months of XXXX and XXXX of XXXX. I was in and out of the ER due to XXXX XXXX as well as for XXXX XXXX XXXX that were increased due to the stress levels caused by the pandemic. Today XX/XX/XXXX I have attempted to reach an agreement with the lender. However they would immediately tell me it was a no go situation without providing me with other options until I mentioned I had filled a complaint with CFPB, then the representative created a complaint for further investigation. I am not trying to fool anyone nor provide false information to the bureaus I simply want to get my financial life somewhat back to what it was to the pandemic.
Consumer complaint received 2017-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I have been making qualifying PSLF payments since XXXX XXXX on my direct student loans. I signed up for the program and have submitted 3 employment certifications since I signed up in XXXX. They are for some reason not counting payments I made from XXXX even though nothing changed. I always paid on time and was on an IBR and worked for the same company ( a XXXX XXXX community hospital ) from XXXX-now. I also noticed a qualifying payment rollback by about half during the XX/XX/XXXX billing period to which they can not account for. I called today XX/XX/XXXX to try and get this fixed and they said they will review it in the next 60 days, however I ca n't help but feel they have completely XXXX up my PSLF payments. I should be done paying in XX/XX/XXXX.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I started a credit card dispute on my XXXX  XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX  XXXX credit card account was removed from my credit report and I called XXXX  XXXX and explain that I never wanted my credit card and there was glitch on XXXX  report or XXXX  XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on XXXX  and Equifax and XXXX  XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY XXXX  AND EQUIFAX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX  XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX
Consumer complaint received 2022-12-19
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX PORTFOLIO XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$960.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX MICHIGAN XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-11
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. (FL)

The original creditor DELETED these accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, and you have to be 100 % Verifiable and 100 % accurate. You have to match the other credit reporting agencies.
Consumer complaint received 2022-05-25
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 XXXX XXXX Account Number 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 state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-25
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 XXXX XXXX Account Number 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 state a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-15
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: GOLDMAN SACHS BANK USA (KY)

Hi, Reached out to Apple about my apple card not paying off the balance via the XXXX XXXX. It was not working for the entire time I had the balance on the card, and still will not work to this day. My phone records show I reached out to Apple to discuss a way to make the wallet work, but they could not fix the issue. This resulted in 2 late payments. From the apple card app on the phone presented was no other way to pay the card off. This resulted in confusion and lack of a process to escalate the issue. I have followed up with the bank associated with the card and have started twice a process to get the late payments removed from my account and they have not followed up with me on their final decision, nor have they provided any documentation to me.

ThanksXXXX XXXX
Consumer complaint received 2022-05-25
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-25
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/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-25
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: Convergent Resources, Inc. (GA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2015-09-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

I've requested the attached 1099 form showing a reported amount of {$5100.00} updated to show no such amount received, Wells Fargo replied by referring me to a tax professional. The tax professional as well as IRS reps advised the 1099 form needs to be corrected to show no such amount received. The amount, {$5100.00}, was sent to my old address, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved. The check was intercepted, signature forged, cashed at a XXXX. XXXX will not release funds as there are no funds in account which is now closed. Wells Fargo will not reissue payment, despite their error in sending to old address after moving, Further, they will not correct 1099 form to show no amount received...