davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-05
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. (VA)

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the Date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between Transunion and XXXX ( {$2300.00} ) from the XXXX Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the XXXX and XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have tried to communicate to the companies involved through the XXXX otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.
Consumer complaint received 2019-01-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Consumer complaint received 2018-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been call by XXXX XXXX XXXX on several occasions before XXXX PT. The latest being today XX/XX/2018 at XXXX. No matter how many times I tell them to stop calling me at that hour, every few.months they do it. 

XXXX XXXX  is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-08-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit report on XXXX shows that Capitol One has been making credit inquiries to my credit at a rate of 5-6 inquiries per month since XX/XX/2021. Today I called Capital One, the Banking side and the Credit Card side, and both said that they have no records of making these inquiries and that no accounts have been open under my social # ( except for the one credit card that I am already aware of ). Capitol One said that there was nothing they can do about why my credit report shows that Capitol One has been making 5-6 inquiries per month for a year now to my credit. I think something wrong is happening if Capitol One is not making these excessive inquiries then who is?
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I logged into my Bank of America account even though I had paid the entire bill the previous month, and was surprised to see a balance due of {$28.00}. The sum, {$27.00} late fee plus {$1.00} interest charge, was due to paying 3 days late. What I must have done is scheduled the payment for when the promotional period expired, XX/XX/XXXX, instead of when the payment was due, XX/XX/XXXX. 

Every person with whom I spoke informed me that their system would not allow the late fee to be waived, an assertion I found surprising but seemingly legitimate after talking to numerous people. One supervisor claimed the fee was required by law ; he gave the impression that it also could not be removed. Things got really absurd when he acted as though he caught me in a lie when I told him that I had a late fee removed by another credit card company years ago. No, I am not in the habit of paying late, as he should have been able to see from my records. 

Anyhow, Bank of America 's action has made it abundantly clear that I am not the type of customer they want or need, so I am glad to be paying any future fees to other institutions.
Consumer complaint received 2019-01-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

At the beginning of the month I agreed to participate in a payment payment plan to prevent my account from defaulting. On XX/XX/XXXX due to an error in my original payment I agreed to pay XXXX dollars towards a forbearance that would prevent the default. The payment plan was agreed to pay XXXX a month for three months consecutively. I received an approval letter on the XXXX of XXXX for the forbearance. Not until the XXXX was I notified that there was an issue with the payment. Apparently my bank rejected the check however my bank stated they have no record of this payment coming through. Now navient is refusing to give me the forbearance after taking my card payment for XXXX dollars. Stating that I will have to pay XXXX plus XXXX in order to stop my account from defaulting. I am barely able to make the monthly payments and now because of an error on there part that they admitted to now my credit will be affected. 


Follow up XX/XX/XXXX XXXX from consumers affairs After forbearance was approved on XX/XX/XXXX and removal of the charge back. Associate with in the Department of consumer affairs told me that a representative from the payment arrangement department would you get in contact with me with in a week after this for marr A associate with the Department of consumer affairs told me that a representative from loan department will contact me to set up the payment plan. 

On XX/XX/XXXX I made a call to the payment department and they stated they did not have my charge-back. They stated they would be in contact with me in the following coming weeks to set up the payment plan. 

I never received a phone call or an email in regards to this payment plan. Nor was I told that in order to keep my account positive I needed to make the payment plan before the end of XXXX. I have a call log and messages to confirm when I am stating. 

On XX/XX/XXXX, My cosigner received a letter of default. I in fact have not received any letter or email stating that I was going back into charge back. How is this possible I did everything right yet Navient continues to ruin my credit?
Consumer complaint received 2019-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I was checking my credit report and I noticed a new collection was added to my report without my knowledge. The collection agency still has not notified me of this debt and according to them it has been in my report since XX/XX/2018 without me knowing or any notifications. This practice violates my FCRA rights and FDCRA
Consumer complaint received 2018-02-27
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: ENOVA INTERNATIONAL, INC. (VA)

I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH NET CREDIT ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS 247 PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY XXXX CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXXIT SHOWED 180 DAYS LATE FROM XX/XX/XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XX/XX/XXXX TILL XX/XX/XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT XXXX DOCKET NUMBER IS XXXX. I CONTACTED XXXX XXXX XXXX XXXX IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XX/XX/XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
Consumer complaint received 2019-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I received a notification that my home owners would be in default as it was not paid in XX/XX/XXXX. I went to the bank servicing my mortgage which had an escrow to pay my insurance on XX/XX/XXXX and was told they had hired a new 3rd party to handle these transactions and was having troubles. They contacted my insurance agent on XX/XX/XXXX that it was the bank error and that payment would be expedited. 

As of XX/XX/XXXX, payment still not received so I have paid in full against my credit card to avoid cancellation which would be on XX/XX/XXXX.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (PA)

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for anv purpose.
Consumer complaint received 2023-07-05
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)

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 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 XXXXXXXX In Accordance with the Fair Credit Reporting Act XXXX  Accounts 1-10, 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 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (AZ)

my name is XXXX XXXX My name and personal sensitive information was used to opened to credit cards with navy federal credit union. The cards was opened and maxed out and are now reporting negatively on my credit report. I filed a police report with the location it was opened XXXX police department. my police report number XXXX. The date the accounts was opened on was XX/XX/2017 and to this day of me reporting them its still showing on my credit report. I also have disputed the information with the XXXX and they still decided to report this fraudulent information on my credit report. The results of this fraud has also led to have my personal information as far as my address reported wrong and cellphone number as well
Consumer complaint received 2019-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (NY)

I had a conversation with the XXXX XXXX located at XXXX XXXX last XXXX XXXX in XXXX to get my glasses supposed to be, however I declined because I felt I was being ripped off, a pair of glasses worth {$720.00} despite the fact I had an insurance coverage deductibles worth XXXX. The lady had signed me in a credit line for an installment plan, she said its like a credit card, no need to worry because its an installment plan and I said ok but I did not authorize her to make any payment because per agreement I have to give her my prescription before the order will be conceived. And when I went home I called my insurance to ask for a second opinion since this is my first time to deal with my eyeglasses with respect to insurance and my insurance said that it was too expensive so I called the other day to inform XXXX that I am not going to continue with the said transaction, I even sent an email to them to cancel it because I can't afford it but unfortunately they did not reply.To summarize after few days, I receive a bill from synchrony bank ( care credit ) regarding eyeglasses, so I called the customer service of care credit synchrony I told them that I did cancel the transaction from XXXX XXXX. And the customer service said that they already filed a dispute regarding my transaction so no need to worry. A month after I received a bill again from synchrony and I called again, I told them why I am receiving a bill? I had no purchases. I thought you have already taken care my issue, I said to the customer service. So they told me again they already escalated the issue and there is nothing to worry about. Again another bill came to me this XX/XX/2019 this is the fourth bill, stating that I had to owe them something. I told them I am going to file a complaint because they did not take my concerned seriously. It gave me a stress every time I receive a bill from them bearing the fact I don't have to owe anything. I feel I am being ripped off of these two companies to let me pay for nothing. I called them to and pro but nobody has taken care of my issue what matters to them is the money they can get from me. I really want to resort to file a lawsuit for giving me a stress and worrying about my credit score. I am hoping that someone can help me resolve my issue. Thank you so much.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A credit card was opened in my name fraudulently when I called Bank of America to check on the account and cancel the card I was transferred and placed on hold multiple times each time I was connected after being transferred I was told that I was contacting the wrong department.
Consumer complaint received 2023-08-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CITIBANK, N.A. (TX)

I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letter on XX/XX/XXXX which is a FDCPA violations.
Consumer complaint received 2019-01-22
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. (GA)

The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I have an account reporting on all 3 of my credit bureaus for a credit card that was included in my Chapter XXXX bankruptcy. This card was included in my bill of matrix when I originally submitted my documents for the matter. It should not still be reporting on my credit as a derogatory account once it has been discharged.
Consumer complaint received 2019-01-22
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. (TX)

XXXX XXXX XXXX d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem.

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of XXXX XXXX XXXX d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

XXXX XXXX XXXX d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me XXXX cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

XXXX XXXX XXXX d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

i posted and transferred money into the account for the checks to be posted. it appeared i had sufficient funds but the next day the checks were posted and i had two overdraft fees and a reruturned item fee. it appears the checks clarared and it is very annoying when bank of america does this.
Consumer complaint received 2022-08-16
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. (FL)

I submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you
Consumer complaint received 2022-08-16
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. (FL)

I submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you