davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
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. (NY)

Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX  XXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXX XXXX  XXXX. Account XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXX XXXX  XXXX. Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX  XXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

These debt keep reappearing on my credit. I have informed both the credit agencies and creditor that this is not my debt. Experian is reporting an very old debt that is not mine from XXXX XXXX XXXX Bal. {$31000.00} and another XXXX XXXX account on Experian - Bal - XXXX Please help me get this matter resolved once and for all. 

I also see incorrect address information : XXXX XXXX XXXX XXXX XXXX XXXX reporting that does not have a street number attached to it on Experian.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc. (UT)

XX/XX/XXXX, attempted to fill out a rental application as a co-pay for my granddaughter with XXXX XXXX XXXX, which, in turn, uses AppFolio, Inc for a Credit background check. My issue is with AppFolio 's data collection software : First, requires a full page of my Employer data -- I am XXXX and retired. I cheated that page by filling in with my XXXX XXXX XXXX. Then they asked for my SSN, I realize they can do this, but the company is not even affiliated with the XXXX, though they are listed on XXXX. The BIG Issue : In order to show income/assets, they ask me to provide Username an Password -- In this case, XXXX XXXX XXXX This would give them a significant amount of control over my Investment account with over XXXX XXXX  dollars in assets! IS This LEGAL? 

Obviously, I canceled the application. I tried to contact AppFolio Customer Relations twice, XXXX XXXX and XXXX, and only received a pro-forma program response " contact your rental agent to find a work-around ''. -- I had specifically asked for a phone call, but they would not comply. I realize this company does a great job for their rental agency customers, but rental payment customer? 

My background : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I know " a little bit '' about credit scoring : - ). 

Thanks, XXXX XXXX
Consumer complaint received 2023-07-18
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. Kindly correct or discard these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: KEYCORP (MI)

Back around XX/XX/2019 I called in and spoke with a KeyBank, the primary subsidiary of KeyCorp 's agent about my bill due to KeyBank sending me several letters about incorrect posting of fees and charges on my account that they'd supposedly corrected. However, during this call of over 1 hour with the agent we both realized in calculating all my purchases, accessed interest, and payments the amount was not equaling to what the agent calculated or myself. The balance remaining was {$100.00} 's over what the balance should have been. So the gentleman gave me the Executive Department 's contact. When I contacted this department I provided them number for number exactly what the original agent and myself had came up with and how based upon the payments, interests, and purchases made. I was assigned an executive agent XXXX XXXX whom at this point XX/XX/2019 has failed to meet 2 or 3 of our scheduled appointments to discuss their findings and who has demonstrated a constant disregard of this matter and ethics in following up and following through to address this issue. I have continued to pay on the card in fear of them messing up my credit again and needing to wait months and moths later for corrections. 

I have called over the last 4 or 5 months leaving her detailed messages, complaining to the executive department for reassignment to a more responsible agent, and even filing with them a formal complaint on XXXX XXXX. I spoke to her in between those 4-5 months explaining that we needed to schedule some time to talk about the specifics but that I would need to have my notes handy. But, she's intentionally missed our appointment and call me after hours that I've told her I am not available. Her work ethics need to be seriously looked into and she needs to be held accountable. Because even if their agent and myself got the figures inaccurate XXXX XXXX should be able to explain their findings in a reasonable time. It took her about 2 months to even resolve their findings and I've been waiting since then to discuss the specifics. Granted I did need to reschedule our initial appointment, but every time thereafter I have been available and she's not called or left any messages during our schedule appointments.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 a check was stolen from our vehicle. We contacted Chase to alert them checks had been stolen. On XX/XX/XXXX a forged check was processes and ( {$2000.00} ) funds were taken from my account. I contacted Chase fraud dept on XX/XX/XXXX to alert them the check was fraudulent. On XX/XX/XXXX I was asked to go into the Chase and sign an affidavit and it was filed XX/XX/2022. Chase asked for a copy of the Police Report for the break-in of the vehicle. The police report was provided. Chase then asked for details of the check be added to the Police Report. On XX/XX/XXXX updated police report given to Chase and now asking for a more detailed police report and the police have stated they have done all they can. When I ask what additional details Chase is looking forward they give no answer other than more detail police report. The Bank refuses to credit my account the {$2000.00}.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX I made one {$500.00} credit card load transaction to my American Express Serve account. On XXXX I saw that two {$500.00} charges from American Express Serve were charged to my credit card account. I called Serve and explained this to the customer rep but he said that only one {$500.00} transaction was done to my Serve account and to dispute the second charge with my credit card company. I did just that and received {$500.00} back to my credit card on XXXX. On XXXX Serve did a credit card load reversal on my American Express Serve account balance essentially taking {$500.00} from my Serve account. I called Serve and they told me that it was because my credit card company reversed the {$500.00} charge from XXXX. I again explained that Serve had charged my credit card twice for the same transaction. The customer rep stated that there was nothing else they could do. They were unwilling to escalate the matter. I contacted the dispute specialist who handled the credit card dispute for the credit card company and she said that they were not supposed to do that but were supposed to deal with the credit card company. She started the second claim on the second {$500.00} charge on XXXX since the original charge was " XXXX  out ''. Unfortunately I have been unable to get a resolution from my credit card company. They seem to be confused thinking the matter was settled when they gave me the first {$500.00} credit back to my credit card and closed the dispute in my favor. I am currently getting the runaround from my credit card company on trying to recoup my other {$500.00} that American Express Serve charged me. I am still out {$500.00} because American Express Serve wrongfully deducted {$500.00} from my Serve account balance because they didn't want to deal with my credit card company for the double charge they did on XXXX. In XXXX American Express Serve removed the ability to add funds to my Serve account effectively making my Serve account useless. I closed my Serve account on XXXX to avoid any fees because I was unable to do my direct deposit because they removed the add funds feature of my account. These actions are unacceptable and American Express Serve should do the right thing and refund my {$500.00} that they wrongfully took out of my Serve account because they didn't want to deal with the credit card company.
Consumer complaint received 2022-07-25
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. (FL)

trans union is reporting accounts, with no creditor up date that the creditor is reporting to the c.f.p.b. as of XX/XX/2022. account XXXX  XXXX XXXX account reporting credit limitXXXX XXXX XXXX.on a I.R.S. forgiven debt, remarks charge off as bad debt, amount pass due $ XXXX accounts # ending in XXXX and account XXXX.accounts XXXX XXXXXXXX account bal. {$410.00} past due amount $ XXXX accounts ending in XXXX -- XXXX XXXX XXXX responded XX/XX/2022 that it reported to the credit bureaus to update those accounts with non-monetary relief. trans union have not did this. -- -- -also XXXX. sent a letter stated a 1099-c to account, XXXXXXXX  account ending in XXXXthis account is reporting with trans union with remarks, charged off as a bad debt.five documents sent by mail, today.ID complaint on it.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (OH)

I have had a personal line of credit withWells Fargo. I had made a payment on this line of {$720.00} on XX/XX/2021. Evidently, they did not receive this. I then called them to assure this would not get reported to a credit agency and we agreed to go on a payment plan. Then, the account was closed and I was to pay {$650.00} per month and I was assured this would not go on my credit report. Unfortunately, it did. I was misled by Wells Fargo. 

In addition, They have not been accessible by phone. When I spoke to them in XXXX the account was to be " reset '' and no adverse credit reporting would take place. Unfortunately. my credit has been impacted almost 100 points. This is particularly unfair since I took the proper steps in managing this account. I was proactive.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Opening an account was easy but unfortunately my checking account was inactive for 3 months due to my job was slow, when my job I worked for started picking up, my paycheck wasnt able to be direct deposit into the bank due to inactivity so it automatically closed and it took a week for thrn to send me a paper check. Sure was a waste of time.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

On XXXX  the XXXX my company had our annual XXXX dinner at a restaurant, my employer always hands out our XXXX bonus checks same amount every year of XXXX. I tried to deposit the check through our mobile app and it approved it but returned it after a few days. I called the bank and they said reason for rejection is because the account number was really blurry on the companies check, she told me to bring it into the actual bank and deposit it there and I did. Now they are trying to say they might or are going to close my account, because they think the check is fraudulent and my account is on a hold. I just want to get my account out of the hold because I have direct deposits and more going through my account its XXXX time, I have adopted children and my daughter that I have to take care of.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2019-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (TX)

On XX/XX/2019 my Visa card was double-charged for a subscription by Google/XXXX. I reported this fraudulent charge to Google and Google said I had to talk to XXXX. Then XXXX said I had to talk to Google. After getting bounced around from Google to XXXX for three days and hours on the phone, Google says they cant help me because they cant see the charges in their system ( which is the Google Store ) where I added the subscription. I have an email and confirmation # from the Google store about this order yet Google cant find it.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

I have filed numerous disputes over the past several years. XXXX continues to report a bankruptcy XXXX US Bankruptcy court XXXX CA on my file. I have provided documentation from the court that appears on my file. I have contacted the supplier of this information given to me by XXXX. The bottom line is XXXX is the only credit bureau reporting this inaccurate unverifiable public record. I have complained to the so-called provider about this information and have been told they have not verified or supplied XXXX with this information. XXXX has reported this inaccurate data on my file for over 7 years without any facts. I have asked them to supply me with a copy of the public record but they refuse. This inaccurate information has affected me financially. I have not been able to get the best rates on financial loans or credits. I have been denied because of this inaccurate information. I am not able to achieve home ownership because of the effect it has on my credit score. The FCRA states that disputed items be verified. If lexis Nexis states they have not verified or provided any information. If the alleged court does not provide information directly to XXXX, how can it put this on my file but provide no factual proof? This is in violation of the FCRA. This is unethical and spiteful behavior by a company that is supposed to be a furnisher of truthful and accurate information.
Consumer complaint received 2018-05-10
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. (WA)

I have several student loans with XXXX XXXX exceeding {$150000.00} balance overall. I have an income based repayment plan that doesnt even cover the accrued interest each month, so my balance increases. Each time my balance increases, my credit score plummets even though my payments are made on time and my account is in good standing. The parties in this issue are Transunion, XXXX, and XXXX  XXXX XXXX. I cant have my score continue to plummet for no reason other than increased student loan balance.
Consumer complaint received 2023-02-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 mv written instructions.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (SD)

XXXX XXXX reported on HireRight that I had a " Backing  '', " accident/incident '', that was " preventable '', in XXXX NC, on XX/XX/2019. 
This is a lie. 
1 ) The only thing that was preventable was ; XXXX sent me there. They didn't have to. The facility itself admitted that insurance fraud is a bad problem there. 
2 ) There was no backing  incident. 
3 ) This was attempted insurance fraud. Period. 
4 ) XXXX 's dash cam shows the driver wasn't even there when I showed up. No truck was backed up to that trailer when I showed up to back in. He showed up when I was mostly backed in. ... The guy shot his mouth off to the cops about him being there the whole time. Backed up to his trailer. Honking his horn. Yelling at me. It's all a lie and XXXX 's dash cam proves it. 
5 ) I have already provided plenty of pictures of both his trailer and mine. No way my trailer  could have caused the damage he had on the side of his trailer. And existing damage does not match up. XXXX knows this. They have the pictures. Also there is no way the flat side of a trailer door could have done the damage he had on his trailer period. 
6 ) This is nothing but libel. Safety Department trying to get back at me. I was requested to issue a letter after I quit. I told them that XXXX is a XXXX XXXX. He refused to give me the dash cam video from a wrongful ticket. I had to prove my innocence with that judge. He wouldn't give in otherwise. That's why I quit.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I have a lot call from portfolio recovery regarding old XXXX account I have made a report on them before I got them off my report I have try to settle with them they have refused every time I would like them off all my credit report but they would call every day and night
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.