davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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. (NJ)

15 USC 1681 I ( 5 ) Charge offs 15 USC 1601 Collections 15 USC 1692 c 15 USC 1681 ( 2 ) ( a ) ( i ) Income is a transaction and experience In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX *Unauthorized Inquiries * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
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. (IL)

On XX/XX/2019 a letter was sent to each credit bureau ( Equifax, XXXX and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.
Consumer complaint received 2019-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (CO)

Our company " XXXX XXXX '' was issued a money order from " XXXX XXXX '' / US Bank. The money order was in the amount of {$900.00}, and was made out to our company. It was not made out to any individual. 

A third party intercepted the money order and was able to cash it at the issuing bank, located at XXXX XXXX XXXX, XXXX, CO XXXX. The third-party was not an officer of our company, and not related to the company. 

I asked to speak to the store manager about the missing check and XXXX XXXX confirmed the check was cashed to a third-party, and showed me the endorsement of the third-party who cashed it. 

When I informed them that they did not have authorization to cash that check to any stranger, XXXX XXXX became indignant and rude. She informed me " this is how we always do things, '' and " I've been managing banks for many years. '' I was alarmed that the bank cashed a check without checking endorsement, or identification. In doing so the bank has breached its duty to its customer and UCC code. 

XXXX XXXX refused to help me further and would not assist in the return my companies ' money order. 

I am filing this complaint in hopes that further damage can be prevented by the illegal actions of the teller and management from this bank.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson and Kennard (CA)

XXXX  XXXX XXXX and their Debt Collection agency Nelson & Kennard have been TERRORIZING ME. They are attempted to collect on an alleged debt and reporting it to my Credit Report, yet they can not provide proof that the account belongs to me at all. Simply providing me with statements is not proof. This debt doesn't even belong to me, they have no proof, no records, nothing, yet they continue to report inaccurate information about me, record my calls without my permission, contacting third parties about my debt without my permission ( Friends ) threatening me with all kinds of nasty things. They will not relent.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I previously try to get the credit agency to look into an unverified account, but all they do is sent me back an account that they said it was verified. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Also. 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 instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years.

Too many violations to my rights. if this keeps going, my only option would be to seek monetary compensation for the damages done to me. I demand the following accounts be verified or removed immediately. I will also attach identity theft report from the FTC XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-03-08
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: AMERICAN EXPRESS COMPANY (NJ)

Hello my amex charge had a zero balance when my card was used and charged illegally. please I need this account removed from a negative status to never late. the credit card company says they would fix the problem but nothing yet. I never had negative credit I'm trying to buy a home with my new wife and a child on the way. I provided my police report
Consumer complaint received 2017-10-01
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. (NY)

Someone open or apply for a credit card from XXXX XXXX for {XXXX and it wasnt me that open the credit card so I bet someone is using my name and SSN I want them to close that account and investigated whos the account
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I had called into 5/3 bank mortgage services requesting a payoff amount ( {$38000.00} ). I made the payment while I was on the phone with the rep. The payment was setup to be submitted on XXXX. I logged into my account on XXXX and noticed that the entire amount I has sent was titled as unapplied credit. There was nothing applied to even a regular payment I also noticed that the regular monthly payment was still made the day after they received my payoff amount. 

I called customer service and was informed that the correct payoff amount was $ XXXXxx.xx and there system did not know what to do with the payment I sent and that is why it was being held in unapplied credit. I asked why I wasn't notified and I was told their system is setup to send out a notification 10 days after unapplied credit is received.

I let them know the reason for the payoff was to lower my debt to income ratio and apply for a loan for an upcoming purchase. Since this wasn't paid off in the time I had anticipated I informed the customer service rep that I would like that money simply sent back to me. I was informed that she would submit a ticket and that a manger would reach out to me in 4 business days to discuss. I asked why that was the solution as they have held my money for a week.

On XX/XX/XXXXI reviewed regulation z and I believe what they are doing is in violation of : 1026 Paragraph 36 ( c ) ( 1 ) ( ii ) When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( i ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( i ).

5/3 automatically put the whole {$38000.00} into an unapplied credit and a seperate payment had to made after!

I also believe the way this was handled is subject to 36c1 ( iii ) Non-conforming payments. If a servicer specifies in writing requirements for the consumer to follow in making payments, but accepts a payment that does not conform to the requirements, the servicer shall credit the payment as of five days after receipt.

I believe there refusal to credit me back and have me wait over 5 days is in violation of this.

I called back to notify 5/3 of these concerns but was told their procedures again.

I am not sure if my interpretation of reg z is correct but at the very least it doesn't seem like they are acting in good faith holding the funds and not getting back to me until at leastXX/XX/XXXX.. .hopefully.
Consumer complaint received 2022-03-31
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: DAIMLER TRUCK FINANCIAL SERVICES USA LLC (MS)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My account at Bank of America on several occasions had money taken without my permission. On XX/XX/XXXX I filed a claim for {$2700.00}, on XX/XX/XXXX they put the money back into my account. On XX/XX/XXXX, after requesting to have my funds released I got the okay to go and get them. I go to a branch where I am greeted by a very unprofessional employee. The employee refused to give me my money and went so far as to have my account locked. I needed this money to pay my rent or I was going to be evicted, with XXXX kids and not s single place to take them. The next day I go to receive my money and again, after being told by more than one employee I could get my money, again they done the same thing. Because of Bank Of America I lost my home. My kids and I have been sleeping in a car for 4 days and still have nowhere to go.
Consumer complaint received 2021-07-05
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. (NC)

Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

on XXXX I contacted BAYVIEW LOAN SERVICING , LLC about the Law that was passed On XX/XX/2020, the United States Senate passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), aimed at providing financial relief to the American people and American businesses in response to the economic fallout from the fast-developing coronavirus ( COVID-19 ) pandemic.THIS law includes THE MORTAGE DEFFERMENT ACT. and the 3 reps. that I spoke with said that this company is not going to comply with the executive order signed by President Trump. this company is litsed 501c3 non profit. they should comply with the executive order being a non pofit entity
Consumer complaint received 2020-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (CA)

I have fraudulently account that was place on my credit report onXX/XX/XXXX. I file a police report with XXXX and sent the report to company and all three credit bureaus. Company refuses to remove this negative account. Monterey collections services placed collection amount of {$11000.00} as ofXX/XX/XXXXand every year it goes up.
Consumer complaint received 2022-03-31
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. (PA)

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
Consumer complaint received 2017-10-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ballybunion Enterprises, Inc (LA)

XXXX XXXX, XXXX I got copies of my XXXX XXXX XXXX credit report and noticed that XXXX XXXX XXXX was on my report. It says that I owe {XXXX. I never opened an account with this corporation. I sent them a letter asking to validate the debt and they sent me the contract with a signature thats not even mine. It shows no proof that the loan was mine besides my name and my new address that they got from my credit. Also it says that my XXXX from the XXXX was on XXXX/XXXX/XXXX but my XXXX was XXXX/XXXX/XXXX so that tells you right there that information isnt mine. Plus I never had a XXXX phone number.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (KY)

XXXX - Comerica Bank I have a card through this company where my funds are supposed to be deposited each month. My card was not working so I called to find out what the issue was. The online voice stated I ordered a new card on XXXX/XXXX/XXXX and should receive this in 5-10 days. I however did not order a new card, the card I have does not expire until XXXX and I currently have no idea where my money is, where this new card is, and I can not get ahold of anyone to speak with even though the website states I can speak to someone 24/7. When calling it says all representatives are busy and then disconnects. At this point I do not know how to correct my issue so my niece was helpful with filing this complaint.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Cares Act of XXXX CoVid-19 Good Will Late Payment Removal Request Name- XXXX XXXX DOB- XX/XX/XXXX Last 4 Of SSN- XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Number- XXXX Opened- XX/XX/XXXX Secured Card XX/XX/XXXX To Whom It May Concern At The Office of The CEO XXXX XXXX XXXX  XXXX Corporate Office Thank you for taking the time to read this letter. Im writing, because I noticed that my most recent credit report contains a late payment reported on XX/XX/XXXX for my XXXX XXXX  account XXXX. 

I want you to know that I understand my financial obligations, and if it werent for me being affected by a job loss due to COVID-19, Id have an excellent payment record. I made a mistake in falling behind, but since then I have gained another place of employment and I have caught up with my payments this XXXX. 

According to the Cares Act of XXXX, If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I am fully exercising my consumer rights under the Cares Act of XXXX and I am requesting that my XXXX XXXX  Account with account number XXXX, be updated with all 3 of the major credit reporting agencies as paid and full and never late according to the provisions of the Cares Act 2020 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 

I have a spotless record of on-time payments since this late payment occurred. Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late that occurred in XX/XX/XXXX from my XXXX XXXX  XXXX under Cares Act XXXX 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


Thank you for your consideration, and I hope youll approve my request. 
Warm Regards, XXXX
Consumer complaint received 2017-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of 2017 my identify was stolen and credit inquires from XXXX XXXX and XXXX XXXX were submitted to my account. In addition, new employement information for XXXX XXXX on XXXX XXXX in XXXX was added to my account at both Transunion and XXXX. This information is incorrrect. I have repeatedly tried to have this information removed by contacting the credit bureaus and even the car dealership and XXXX XXXX but I have been unable to have this fraudulent information removed from my account. The credit bureaus seem to have intentionally thrown up every kind of barrier imaginable to make it virtually impossible to have my credit fixed even though I 've subscribed to XXXX XXXX worthless credit monitoring service. We need new legislation to make this scumbag organizations accountable.
Consumer complaint received 2017-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (ND)

I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is fraudulent, unauthorized and do n't belong to me. I never applied for a XXXX credit card account. The balance of {$4300.00} is fraudulent charges/transactions.
Consumer complaint received 2022-03-31
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. (PA)

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I opened a new American Express platinum account in XXXX this year for regular expenses. Post my spending in XXXX, My statement was generated on XX/XX/XXXX. I paid this statement in full on XX/XX/XXXX as I assumed due date would be 30 days after statement. Amex not only charged me {$29.00} in late fees but an additional {$150.00} in interest charges based on a product called Pay over time. I never opted in for this product and was informed that it is opted in automatically. There is no way to opt out of this product on the Amex website. This seems to be an extremely deceptive practice where even payments made within 30 days of billing can cause interest charges, especially when a big part of the statement balance was just the fees assesed on the account. I would like this feature to be disabled. This should ideally be an option during signup to allow members to opt out of the program. Also, I would like the finance charge to be waived as I never intended to or intend to use revolve on the card.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Three years ago, I was told by a car dealership that I had a freeze put on my Equifax account that I did not put on there. After calling multiple times trying to explain what was going on ( there was a definite language barrier as the people I spoke with had a deep accent and they had to ask me multiple times to spell my name and for my social security number ), they asked me to send in my information to the Georgia office to verify my identity. After doing that and a few months, I received a letter stating they could not read the copy of my drivers license or social security card and asked me to send another copy. I have sent that in again and I never heard anything for months now. I have not been able to apply for a car loan in this time. I need to verify my information in a timely manner and remove the freeze I never placed on my account.