davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX ACC 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 account under an open end consumer credit plan as late for any purpose.

I have also disputed this issue with the XXXX credit bureaus and they have stated they have investigated this but it seems they have not. I am requesting proof of the investigation and also proof of what was used to validate this late payment. I am also requesting the bank statement of the original creditor that is claiming I am late. I would like proof of the date they claim they received the payment. Unless there is a bank statement proving that the payment was actually late, from their bank, it is not LEGALLY verifiable and needs to be removed. 

They are ALSO stating that they investigated but there are old dates from XXXX showing, yet I disputed most recently in XXXX. 
transunion : XX/XX/23 XXXX : XX/XX/23 XXXX : XX/XX/23 Attached is XXXX payments made in XXXX, in the midst of which they claimed payments were late.
Consumer complaint received 2022-03-29
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: JPMORGAN CHASE & CO. (WA)

I applied and was approved and supplied with an XXXX XXXX XXXX XXXX card supplied through chase. I later opened up a seperate checking account with chase to take advantage of their XXXX dollar offer when adding direct deposit. A few days after opening the checking account, i was called by a chase number ( one that can easily be spoofed ) asking for personal information to " get rid of fraud ''. I was suspect and did not want to give personal information to an easily spoofed call that I was not expecting and hung up the phone thinking that it was a scam caller. I later checked the chase app and found that my online account was suspended due to potential fraud. After contacting chase for hours, I was told that my checking account would be closed within the next 10 days. I asked if my credit card was still open, and I got the response that it was. I continued using my credit card but soon realized that I could not get on the online account on the app to make payments. While I already set up auto payments, I can not check if that is still on/still working after chase suspended my account. I contacted chase to see if the payments would still work and how I could get access to my online account to make payments. They never answered me and kept transferring me. It is now near the end of the month, and while I have the ability to pay my bill, I can not. It is likely chase will try to charge me interest while also locking me out of my online account so I can not pay the bill before they charge me interest. The closing of the account also means I can not get the XXXX dollar bonus promised even if I open another account, which they were trying to pressure me into doing. Locking someone out of paying their bill and then charging them interest is probably illegal.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XXXX i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives 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 deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

I have new and updated information. NAVY FEDERAL is frivolously and deliberately marking my complaint as a duplicate when it is not. This complaint is against NAVY FEDERAL and the threat they communicated to me via mail. NAVY FEDERAL is neglecting to respond because NAVY FEDERAL is in fault. 
I consumer XXXX XXXX have been communicating with NAVY FEDERAL via mail regarding the alleged debt. NAVY FEDERAL have failed to honor my demands in my cease and desist. NAVY FEDERAL have failed to send me, the consumer, a letter for me to validate this alleged debt. Yet, NAVY FEDERAL is still attempting to collect on this alleged debt. NAVY FEDERAL have failed to rebut my affidavit of truth with an affidavit. NAVY FEDERAL has failed to remedy this issue by honoring my Notice of Default and opportunity to cure. However, NAVY FEDERAL continues to harass me and ruin my reputation with the Consumer Reporting Agencies with the abusive debt collection practices act. Despite my numerous attempts to resolve this and demand they cease their illegal reporting. Now NAVY FEDERAL is attempting to harass, coerce and collect an alleged debt by extortionate means.
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting Act 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 my written instructions.
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I used my Bank of America mobile app to transfer {$1400.00} via XXXX to an individual thinking I was purchasing a puppy from her ( {$1200.00} for the puppy and {$230.00} for delivery ). It was a scam. Filed a claim with BOA ( XXXX ), but the representative said they forward the claim to XXXX which has 45 days to respond. He stated that 95 % of claims are denied and the individual does not receive their money back. He said I should have read the fine print where it states XXXX is only for transfers between friends and relatives. I told him that I thought that it was safe since BOA promotes it on their app.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX
Consumer complaint received 2021-11-12
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of 90 days late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status. Otherwise, delete this account right now.
Consumer complaint received 2022-03-29
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. (CA)

on XX/XX/XXXX I sent a dispuite to Transunion about the unauthorized following accounts : XXXX XXXX, which they claim I owe {$9100.00}. 
XXXX ) XXXX XXXX : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} XXXX OPENED. XX/XX/XXXX It's been more than 45 days since I sent this dispute and they have not answer as they are required by the FCRA
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; 2. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 3. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$0.00} ; 4. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; XXXX. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 6. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$340.00} ;
Consumer complaint received 2021-07-22
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. (NY)

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXXXXXX XXXX XXXXXXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. 
If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.
Consumer complaint received 2022-03-29
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. (MD)

I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.
Consumer complaint received 2022-03-29
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. (MD)

I am a victim of identity theft. I have asked for the items to be removed to correct my report. I have already reported the identity theft to the Federal Trade Commissions and can provide documentation supporting the Federal Trade Commission 's affidavit.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I have 2 pending complaints with Truist Bank This evening around XXXX, I received 2 calls from Truist 's complaint resolution team from ( XXXX ) XXXX. I answered the calls promptly and was " HUNG UP '' on both times. I returned the calls and they close at XXXX. As a client, the bank is almost impossible to speak with about issues. 

Also, I rec 'd a check via XXXX from Truist today and PROMPTLY brought it to the bank. I had the branch apply the full amount to the mortgage. 

XXXX ) There was a payoff quote in the XXXX envelope that said I requested a payoff. This is not true. 
XXXX ) The letter noted a payoff the exceeds the returned check by roughly {$700.00}. Does Truist Bank normally return principle payments that are sourced from Checking transfers. The letter notes that the payment needs to be in a certified letter or wire transfer. 
XXXX ) Does Truist Bank allow clients to payoff their loans in the normal course of business? The letter from Truist stated that payoffs need to be in the exact amount of the payoff. That is an odd request given that it assumes that all payments on a 30 year fixed do not include any principle reduction payments. 
XXXX ) The payoff statement today indicated a fee for " recording ''. I assume this is to record a lien satisfaction. This fee appears to be a truth-in-lending violation as it was not noted on the initial GFE or TILA Disclosure. In today 's world, I suspect that this would not show-up on either the LE or CD. Random Fees that are known should be disclosed. 

Making principle reduction payments to a mortgage should NOT create this level of emotional distress. I am disgusted.
Consumer complaint received 2019-01-25
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. (CA)

I contacted Transunion to advise them there were inquiries on my report that I did not complete for accounts listed that were apart of identity theft. They refused to remove them and advised me to contact the creditor myself even if it is for accounts that I did not apply for myself.
Consumer complaint received 2015-05-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

I took out a payday loan expecting it to be a decent amount that was owed back. The interest rate was too high and at this time I am a student that is unable to set up a payment plan with the loan company. Today I received a threatening phone call saying that i had an order for my location, and that I would be arrested. It scared me, so I contacted the court house they claimed I had a case with and there were no records there. Also, I went online to make sure there was no warrant or such for a failed loan. The bank account that I used back in 2012 when I received the loan has since been closed because it was almost over 4 years ago! They are harassing me saying that I committed a crime of sort. When I have done no such thing. I had an email sent a few months ago that I responded to explaining to them that I would not be able to pay the funds at the time. Unfortunately Im not sure what else to do, and Im not sure If I am legally in trouble or what is going on.
Consumer complaint received 2019-01-25
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: Bliksum, LLC (DE)

On XX/XX/2018 I had an installment loan show up on my credit report from XXXX XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use my credit report.
Consumer complaint received 2022-03-29
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. (TX)

Department store that reported the negative activity to my credit file claims and denies having any information on me and says that the responsibility is on the credit reporting agency. When I asked how the credit reporting agencies got their information, I was told they got their information from the creditor. But the creditor has no information on me at all? 

So it definitely appears that there is a situation of fraud and false testimony in this situation. 

I want to know why a major department store that has their brand of credit card issued and underwritten by a major bank can report negative comments on a person 's consumer credit report, when the person doesn't have a credit account with that department store or the bank, and then claim they have no information on the person, and then refuse to contact the credit reporting agencies to have the fraudulent information removed. 

When I am the victim of credit fraud committed by a department store/bank, why is it my responsibility to do everything to correct the problem when they can not provide any proof of any credit history with them?
Consumer complaint received 2022-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JEFFERSON CAPITAL SYSTEMS XXXX...
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (OR)

On XX/XX/XXXX I paid {$1100.00} to the XXXX XXXX XXXX XXXXXXXX, resulting in the total amount owed. 

On XX/XX/XXXX I opened a letter addressed to me to see a bill for {$1900.00} from a company called Professional Credit Service. Shocking considering the fact that I basically hadn't been to the doctors since. 

Looking at the paper, it had the exact same billing information that I had received in XXXX. Calling the company, they said that not only did I owe this amount, but that it was still in litigation. 

I had already been sued for this amount, and hadn't been able to show up resulting in the case being ruled in favor of XXXXXXXX XXXX XXXX XXXXXXXX. 

So now, I was apparently in litigation once more, except for the fact that I hadn't been contacted by phone, mail, or email at all, suggesting I was being sued once more for a bill I had already settled four years ago! 

When I told XXXX, the man who was on the phone with me, this he gave me a non-answer that did nothing to answer any of my questions except to say it would have to be investigated. He provided no answers for the lack of communication, other than to say that I had been mailed repeatedly and called. 

All of which were not true, as I hadn't received any mail since paying the debt to suggest that I otherwise still owed. I had not received any calls, nor have I been emailed on an email that I've had since BEFORE the debt was received ( reliable and checked often ). 

All of this to say that I've never had debt with Professional Credit Service, and I've since switched XXXX XXXX ( the XXXX  on record being old and now obsolete in regards to my care ), incurring no debt in the three times I've been back to a health professional, as I've paid in full, in cash, all three times.
Consumer complaint received 2019-07-26
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: EQUIFAX, INC. (CA)

I have disputed the late payments on US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP