davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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.
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: BARCLAYS BANK DELAWARE (NY)

I have Barclays US credit card ( Uber cobrand Visa card ) that has been enrolled in autopay for full balance since inception. 

For the payment due XX/XX/2021, Barclays ' autopay system broke down and did not make the auto payment, and charged me a late fee as a result.

I spoke to Barclays US and they confirmed that they have a computer problem in their autopay system, and that many cardholders who were supposed to have had their payments made automatically were not completed due to their own error. They said that all of these people have been charged late fees automatically by the computer and to get the fee reversed they would have to call in.

I did call in and have the fee reversed, but clearly there are many people who are going to miss this erroneous fee, and late fees are reported to the credit bureaus which could impact some cardholders ' credit scores. 

This type of malfeasance is approaching the XXXX XXXX scandals and I believe the CFPB should fully investigate Barclays ' fraudulent late fee charges.
Consumer complaint received 2018-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I paid off and closed a HELOC account with Citizens Bank at the beginning of XX/XX/XXXX. It was paid off in two payments, the first was applied incorrectly. It should have been 100 % principal and they split it into principal and interest. The payoff amount increased when I went to pay it in full two days after the first payment. I made and documented numerous calls to customer service to resolve the issue. They credited me back a {$25.00} fee because it was an annual fee and the loan was paid off 6 days after it was charged. They calculated an overpayment of {$53.00} and told me this would come back to me in the form of a check. For a couple weeks I would follow-up by phone and be told it was in process. Then after the first week of XXXX I was told they couldn't see it in the system, " there was no overpayment ''. At no time, when I have requested, has anyone at the bank been willing to give me a numerical breakdown of the payoff calculations.
Consumer complaint received 2017-11-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Resource Marketing Corp. LLC (GA)

On XX/XX/XXXX, I received a call at XXXX from telephone number XXXX. The woman calling offered to refinance my mortgage at a lower rate. I informed her that I just refinanced in XX/XX/XXXX and, therefore, had no intentions of refinancing again. I requested she take me off the call list. 
On XX/XX/XXXX at XXXX, I received another call from telephone number XXXX. This time, a woman named XXXX offered to refinance my mortgage at a lower rate. I explained to XXXX that I received the same phone call yesterday, told the previous caller that I recently refinanced, had no intentions of refinancing again, and had requested she take me off the call list. Furthermore, I did tell XXXX that I was being nice now but that I wouldn't be nice in the future if the calls continued. XXXX quipped back with, " Well, you didn't talk to me so you have no reason to be anything but nice to me, " and then proceeded to hang up. 
I immediately called the number back and was hung up on again. I then called back a second time. The man that answered asked for me. I explained to him that I wanted taken off the call list. He then hung up on me. 
Finally, I reached a telemarketer that transferred me to a supervisor named XXXX. I asked XXXX for the name of the company. He told me, " Resource Marketing Corporation. '' I asked XXXX if they were in Georgia as they were calling from a Georgia area code. He informed me that they were located in New York. I informed XXXX of the incidents and informed him that the number they were calling was registered with the National Do Not Call Registry. ( This was verified with an email - the number has been registered since XX/XX/XXXX ) XXXX was apologetic and assured me that he would reprimand XXXX for her actions.
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

My account with XXXX XXXX XXXX was cancelled less than 15 days of getting a telephone service from the company when I found that they company did a bait and switch in which they promised a certain fee for using their service. When I received the first bill, which I received within 15 days of signing up for the service, the bill was XXXX the promised rate. I immediately called to cancelled the service and I was advised they account was cancelled. Now this charged has being on my credit report since 2011 and is having a huge impact on my credit report. On Experian, my FICO score is a mere XXXX compare to the other XXXX agencies where my FICO is above XXXX
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

A year ago a debt collector put an account that belonged to my father with the same name as me on my report I had it resolved by sending in all info they needed with his SS # number to have it removed. Now a year later another company has the debt and contracted me on the matter. I disputed the false information with them and ask for a debt validation on XX/XX/22 which they failed to do so. I contacted XXXX again about this debt and verified it was my fathers with his SS # on it. I called up the debt company and they told me its my SS # on it but wont show any documents to back it up and refuse to validate the debt. Now my credit has went down a lot over this matter.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and DELETION because they were reported incorrectly in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: McCullough Payne & Haan, LLC (GA)

I AM REQUESTING ALLL DOCUMENTATION FROM McCullough Payne and Haan, LLC XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL
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 — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (FL)

My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I may be reached at XXXX to confirm
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2020-09-04
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. (OK)

The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX  / XXXX XXXX  {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   {$240.00} XXXX XXXX XXXX XXXX   {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (DC)

I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2024-02-20
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 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.
Consumer complaint received 2022-03-31
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-07-09
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (TN)

Whenever I receive calls from Affiliate Asset Solutions, I answer the phone and say, " Hello, this is XXXX speaking '' and I get no response. I say " hello? '' a few times and then they disconnect the call. This occurred twice today, on XX/XX/2021, at XXXX and again at XXXX ( XXXX time zone ). I called them back after the second incident to confirm they only have one debt on file with me. From my understanding of the Fair Debt Collection Practices Act, it's a violation to call me twice in one day. I'm attaching screenshots of my phone to confirm this account of events.
Consumer complaint received 2016-03-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (FL)

Reporting Inaccurate information on XXXX Credit Report. 
Regional Acceptance account is reporting inaccurate information on my XXXX credit report. They have on my XXXX report that the Open date was on XX/XX/XXXX. But on the payment history there are no payments reported from XX/XX/XXXX to XX/XX/XXXX. I have disputed this with XXXX and every time they say this information is accurate. How can i have a car loan with Regional since XX/XX/XXXX but the car payments i made to them are blank from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2021-07-09
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: Caliber Home Loans, Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-09
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. (NY)

On XX/XX/2021 I sent out a letter to the three bureaus about the personal information on my report. I listed my correct information and requested them to remove all other personal items on my report. Its been 2 months since I sent this letter and they have yet to make any changes.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DE)

I have had a checking and savings account with PNC bank for 6-1/2 years. On XX/XX/XXXX, my husband went into a local branch with me and had his name added to both accounts. On XX/XX/XXXX my husband received 2 letters, both dated XX/XX/XXXX from PNC bank stating that both the checking & savings accounts would be closed on XX/XX/XXXX and that my debit card would no longer work after XX/XX/XXXX. NO REASON WAS GIVEN. I called the branch & spoke to the young lady who added my husband 's name to the accounts. She said she did n't know why this was happening but she agreed to call corporate to get an explanation. The following day she called to say that she was given no reason and that there was nothing I could do to stop the accounts from being closed. Then I called corporate and asked why the accounts were being closed. I was simply told that PNC bank had elected not to continue its relationship with my husband - NO REASON WAS GIVEN. On XX/XX/XXXX, I closed out both accounts and will never again do business with PNC bank.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (AL)

A company by the name AD Astra collections is calling me, my job and family members and is using abusive tactics to collect on a debt. They threaten to have me garnished if I refuse to pay.
Consumer complaint received 2018-06-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: UMPQUA HOLDINGS CORPORATION (CA)

XX/XX/2018 Lender XXXX XXXX Loan Officer XXXX XXXX NMLS # XXXX did not disclose the charging of 1 % of Loan Amount ( Points ) prior to settlement of loan closing. He failed to disclose the rate 3.875 % was based on the paying of said point ( {$13000.00} ). We questioned XXXX XXXX about the paying of point, he replied " this was standard, and it was to late in the loan process to change. '' XXXX XXXX never mentioned the applying of point to obtain the loan rate of 3.875 %, nor did he offer to withdraw it when ask after we realized what he had done.