davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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. (GA)

Note : I don't know if what they did/are doing is illegal or not, but you didn't give me any other options that were more accurate. What they are doing is, however, certainly an unfair business practice. They also never informed me that they would do it. 

I appreciated and still appreciate the money XXXX loaned me. It was a big help. 
And I am NOT complaining about their predatory interest rates ( like 84 % : By the time I pay off the loan in 5 years from the disbursement date, I will have paid more in interest alone than the total amount I borrowed. But still, I'm NOT complaining about that. ) Last year in XXXX, I was temporarily unable to afford the payments. I called, and a CSR established a " temporary payment relief assistance plan '' with me over the phone : For 5 months, they would automatically debit my checking account via my bank debit card for {$50.00}. ( 100 % of each of those payments went to interest. But the majority of each regular payment also goes to interest anyway. ) Then I would resume the regular monthly payments of {$200.00}. 

All of the smaller temporary payments were covered, and I resumed the regular payments on time every month. 

Here is my complaint : Ever since this temporary payment relief plan was made, XXXX has been reporting my account to the credit bureaus as " Past Due '' and sending automated emails dunning me to " pay your past due amount. '' But according to the arrangement they made with me, my account is NOT past due, nor SHOULD it be. 

I called them two or three times. They refuse to stop the automated emails, which is not a big problem since I simply ignore and delete them anyway. However, they lied and said they had not reported anything to the credit buteaus. 

They are negatively affecting my credit report and damaging my credit : When anyone with access authorized looks at my report, it shows " 5 late payments '' even though I typically never pay any of my bills lateall 5 are XXXX but no other creditor. And my payments have never been late. By " late '' payments, they are referring only to the five payments deferred for the smaller payments arranged during the temporary relief plan. And those smaller payments arranged were obviously NOT late since they were automatically debiting my bank card every month. 

Moreover, NOBODY at XXXX EVER disclosed to me, NOT even over the phone, let alone in writing, that my agreeing to the temporary payment relief plan would cause them to consider my payments as " late '' or my account as " past due. '' This is clearly an unfair business practice!
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (VA)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to Experian to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

After many hours of studying the law and research of the protection consumer laws, I have sent several letters to   XXXX   Equifax and   XXXX   regarding fraud on my credit report related to an address in  XXXX , IN.  XXXX   XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the  Office  of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcies 1 on  XX/XX/XXXX   and the  XXXX  on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the  Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to revisit the matter of unauthorized hard inquiries present on my credit report, which I previously disputed. Despite my initial communication, I have yet to receive any acknowledgment or confirmation regarding the removal of these inquiries from my credit profile. My concern persists regarding the inclusion of unidentified information in my report, and I find it necessary to reiterate the seriousness of this issue.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2022 I traveled to XXXX, TN. I met up with a group of friends and we went for brunch at XXXX on XXXX XXXX. When the bill came we split the bill and it came out to {$42.00} dollars a person. I initially was going to pay with my Barclays Jet Blue Credit Card but then decided to pay with cash instead. I got up and walked to the waiter and told him that I will instead pay with cash. He said he will be right over to bring me back my credit card, which few minutes later he did. I left the cash and so did most of my friends on the table with the bill and we left. I never signed or authorized any amount on my credit card. 

When it was time for me to pay my monthly credit card bill, I noticed an amount of {$270.00} on my credit card from the same restaurant. I immediately called the restaurant to speak to the manager regarding a fraudulent charge billed too my credit card by the restaurant. I was advised that the manager will call me back. I have called four times and left messages for the manager to call, which he never did. I believe the waiter used my card to charge someone else 's bill because even our bill wasn't that much, our bill came out to total between my friends and I was {$180.00} dollars. I called the Barclays Bank to dispute the charge and advise them that as per my disclosure agreement with them, I am protected from any and all unauthorized or fraudulent charges and that the charge billed by the restaurant is fraudulent and was never authorized or signed by me. They refused to accommodate me and protect me as a consumer and advised me that there's nothing they can do to reverse the charge. I then asked them to show me what proof did the restaurant provided to show that I authorized the charge and they simply said they cant share that information with me. I plead for your help in try to resolve this issue and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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 2023-04-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Consumer complaint received 2021-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Account is reporting multiple inaccuracies and violations of my consumer rights. I have disputed this with the bureaus and the creditor, both of which have failed to remove or correct any of this information. Creditor has also failed to mark this account as disputed and is reporting a derogatory/collection status which is inaccurate, this account should reflect as " PAID AS AGREED ''.
Consumer complaint received 2023-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$31000.00} XXXX  - XXXXXXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$320.00}
Consumer complaint received 2021-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

After taking out two private student loans ( with no issues ) at the age of XXXX and XXXX XXXX XXXX approx, Citizens bank had no issues with approving those two loans at over 11.7 % interest rate. As I have gotten more educated on the issue, I have attempted to refinance multiple times and excuses have ranged from my credit score not being high enough to I need a co signer to refinance. Its troubling and concerning to know what I have been mislead, deceived, and taken advantage of with this unfair and predatory lending behavior. I stated with {$38000.00} and about 5 years later I already owe about {$58000.00}. I will never be able to stay on top of the principal plus the interest. Action is needed.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2021-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of identity theft and filled several documents with Transunion reporting agency. I filled an FTC report. An affidavit, an FTC complaint number, along with two from of Identification and the items i were disputing. According to FCRA 605B the items listed on the affidavit and ftc report should be block within 4 business days of receipt. I spoke with XXXX XXXX, a supervisor at Transunion. He works in the fraud dept/special handlings. And he informed me that Transunion does follow the FCRA but would not block the items because it takes 30 days. After telling him the the FCRA section 605B states identity theft items should be blocked within 4 business days, he insisted that he would not block them and it would take 30 days. I told him that i contacted the creditors and they told me to follow this process. He insisted that it takes 30 days and began to become very irate and rude. I asked him does the FCRA state that if its identity theft and the constituent elements above are included in a dispute that the items would be blocked in 4 days. He keep telling me that he would not comment on that and hung the phone up. 

XXXX  XXXX is not following the law he claims to be following and he was very rude and unprofessional with me. I was very polite on the call. XXXX  XXXX was not.
Consumer complaint received 2019-11-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft and I have been asking Capital One and XXXX XXXX update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized Capital One and XXXX XXXX to open an account under my name.
Consumer complaint received 2017-09-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LEVEL 4 FUNDING LLC (AZ)

I continually receive multiple unwanted SPAM emails from this commercial mortgage broker every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

Hi XXXX, Please remove my email address from your automated emails and marketing : XXXX Thank you, Live Support Chat Your Name : [ XXXX ] Hello! My name is XXXX. May I have your name please so I know who I 'm chatting with? 
[ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] Please remove my email address from your automated emails and marketing [ Visitor ] mailto : XXXX  [ Visitor ] Please remove my email address from your automated emails and marketing XXXX Thank you [ XXXX ] I have that noted. may I have your name please? 
[ Visitor ] XXXX [ Visitor ] I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you [ XXXX ] Alright. Thank you for contacting us. Please do not hesitate to contact us again if we can be of further assistance. Take care! 

I called and requested this in the past, but I still get several emails everyday from your company. If you could remove my email address, that would be greatly appreciated. I will call you in the future if I need your lending services. Thank you Thank you, XXXX
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion is exploiting the security catastrophe caused by the malfeasance of XXXX. TransUnion is charging {$10.00} to freeze each credit history account ( which I was forced to pay to freeze my credit ; order # XXXX from 2017XXXX ). With highly private information stolen from 143M people, TransUnion can expect to receive {$10.00} * 143M = {$1.00} XXXX. What 's special about this amount is that TransUnion earned $ XXXX in revenue for XXXX. Hence, TransUnion will more than *double* their revenue by exploiting the American public who were impacted by the incompetence of XXXX. This is an unacceptable business practice and shows the contempt that credit bureaus have for the American public. 

Shame on TransUnion for not doing what 's morally right by removing fees to freeze credit history.
Consumer complaint received 2017-09-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: J&L Collection Services (CA)

On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. 

I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of  this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MI)

Last year I enrolled with XXXX to help settle my debt. Before they dropped me ( financial issues ) they had settled a few debts one of which was XXXX  XXXX XXXX XXXX visa aka XXXX  XXXX XXXX They paid all but one payment of the settlement before returning my money back to me from my account they had. I don't know why they didn't make this final payment. However when I found out they didn't I paid the final amount plus some. Since then they have continued to bill me and give me negative marks on my credit report. I have tried going through XXXX and the company about it and have gotten no where. It's like the company is pretending they never made a settlement while continuing to hurt my credit.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CT)

RE EQUIFAX : 1 ] THEY DO NOT ANSWER THEIR PHONES.
2 ] THE ONLINE SECURITY FREEZE IS " UNAVAILABLE '' 3 ] THE ONLINE 90 FRAUD ALERT IS " UNAVAILABLE ''.
4 ] NOBODY IS HOME, AND MEANWHILE WE ARE ALL AT HUGE RISK THESE CREDIT COMPANIES COMPANIES ARE PROFITEERING FROM OUR MOST PERSONAL AND PRIVATE INFORMATION. WE, AS CITIZENS, HAVE NEVER GIVEN THEM PERMISSION TO DO SO! 

THIS IS THE ONLY COUNTRY IN THE WESTERN WORLD USING THIS PRECARIOUS SYSTEM. XXXX ONLY USES ONE 'S  PERSONAL CREDIT CARD AND BANKING INFORMATION - NOT FOR SALE, NOT FOR GENERAL PUBLICATION, NOTHING TO HACK INTO. 

THIS SYSTEM MUST BE DONE AWAY WITH, AND THESE PEOPLE PUT AWAY!!