davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020 I purchased airline tickets with travel planned on XX/XX/2020 using my Checking Account Debit Card issued by USAA Federal Savings Bank. In XX/XX/2020 I contacted USAA and informed them that the airline had publicly announced that they were suspending flights on my reserved route. I contacted USAA and requested to dispute the charge. At that time USAA responded that the transaction was more than 30 days old and they could not dispute the transaction for that reason. On XX/XX/XXXX I contacted USAA and explained that airline tickets were often purchased in advance of travel and that I believed a waiver of the time limits was appropriate in this case. USAA agreed to re-open the dispute. On XX/XX/2020 the vendor, XXXX, notified me that the flight I had booked was cancelled. I requested that XXXX issue me a refund per US Department of Transportation regulations. XXXX stated that " they were not issuing refunds ''. I contacted USAA and requested that USAA charge-back the transaction. USAA responded on XX/XX/2020 that " ... some merchants were required to cease their services due to the COVID-19 pandemic ... '' and therefore USAA would not fulfill their fiduciary responsibility to their customer and would not charge back the merchant on my behalf. On XX/XX/2020 USAA sent me a new dispute resolution notice wherein they returned to their original position that the dispute was not timely placed. 
I am also struggling due to the pandemic and on a fixed income. I do not understand why the bank would protect unscrupulous vendors to the detriment of their long time customers ( over 20 years ).
Consumer complaint received 2023-03-17
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: United PanAm Financial Corp. (OH)

Recently, my entire livelihood has been revolved around a particular online dealership called XXXX. Unfortunately, I decided on the XXXX day of XXXX in the year XXXX to exercise my rights as a natural person by applying for an extension of consumer credit for a XXXX XXXX XXXX  with lien holder XXXX XXXX XXXX for total amount finance { {$31000.00} } with down payment of { XXXX }. Initially, the vehicle being purchased was a dream come true but turned into a complete nightmare soon after! This incident is one that has taken me by surprise and seem to have caused me severe pain and suffering while also being an unprecedented time in my life! The retail purchase agreement contract states that XXXX and I agree that this agreement is governed by federal law and the law of the state of XXXX licensed dealership. Subject to the terms of this agreement, XXXX agrees to transfer to me the natural person the title and ownership of the vehicle at XXXX address. However, the dealer has failed to title the vehicle to me the consumer within a forty day proper time period of the federal law that we agreed to abide by in Contact! Furthermore, I received the memorandum title a year later finally on the XXXX day of XX/XX/XXXX after not being able to register vehicle in my state of Ohio for an entire year. Soon after registering Vehicle in my name after not being able to on XX/XX/XXXX the vehicle was repossessed. Which has now triggered XXXX  XXXX within my livelihood! Their tactics against me has been unfair And deceptive Under federal law I as a consumer ( natural person ) have rights. Which leads me specifically to Act ( Title 1 of the consumer credit protection act. Truth and lending ( TILA ) prohibits creditors and loan originators from acting in a self-seeking manner, especially when to the detriment of the client.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GreenSky, LLC (OK)

I applied for a loan from Green Sky loans for {$20000.00} for XXXX XXXX XXXX XXXX " XXXX  '' to Replace my roof in XX/XX/2015 however XXXX did not have me sign anything from green sky to authorize release of funds to XXXX  to date the roof is not repaired and continues to leak.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

This is for the property at XXXX XXXX XXXX XXXX, FL XXXX with loan number XXXX. Homeowner 's name is XXXX XXXX. 

We would like to reach out to you because we are still unable to get any representative from the home preservation team of Suntrust via XXXX due to their long hold time of 8 hours. We have scheduled callbacks for that is the only option when calling them, however, we really have not received any call back from them. We can not get any further updates for this file due to not being able to receive any scheduled callbacks that we set with them. 

We have also tried to reach out to their point of contact but still unable to to get a response. 

The file was tagged complete on XX/XX/2020 and we should've had their decision already for the short sale review.
Consumer complaint received 2022-08-04
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. (FL)

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 2022-08-04
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

In the attached letter to me from Bank of America, dated XX/XX/XXXX, XXXX XXXX of Bank of America states that they will turn two hard inquiries into soft inquiries on my credit files : one hard inquiry on XX/XX/XXXX, and the other on XX/XX/XXXX, XXXXBank of America knowingly committed deceptive, abusive and unfair marketing practices through their website 's online tool to allow pre-approval checks for their credit card offers. As a result of my complaint against this, Bank of America and XXXX XXXX took minimal responsibility for their actions by agreeing to make these hard inquiries into soft inquiries. As of the date of this CFPB complaint, these hard inquiries remain on my credit files as hard inquiries ; they have not been turned into soft inquiries as agreed to in their written correspondence ; and they are causing a derogatory and intentionally harmful impact to my credit -- directly as a result of XXXX XXXX and Bank of America 's failure to do as agreed in their attached correspondence. I have waited far longer than the 90 days than Bank of America said it would take to complete this transaction. Bank of America has now, intentionally and deliberately defaulted on their agreement as outlined in the attached letter from XXXX XXXX. Bank of America has caused me financial harm and damaged my credit report by not following through on their written obligations and promises to me to turn the hard inquiries into soft inquiries.
Consumer complaint received 2020-06-18
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)

contacted credit reporting agency regarding incorrect items reporting on my credit file and credit agency informed me that items were correct without providing any proof or how they reach that point
Consumer complaint received 2022-08-04
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. (FL)

In accordance with the Fair Credit Reporting act USBK XXXX XXXX XXXX XXXXXXXX, 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 2023-03-17
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (FL)

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 XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX 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 2022-08-04
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: Bread Financial Holdings, Inc. (TX)

According to Title 15USC 1681 # 3, and # 4 XXXX assumed the role of protecting my privacy based on congressional order, However, they misused my credit report, and facilitated information without my consent and without my permission There is a need for the XXXX agency to practice their appropriate grades, per federal law and they are supposed to respect my right to privacy, but didnt exercise their responsibility. They did not exercise your grade responsibility they were unfair, partial and did not respect my right to privacy. They never had a permissible purpose nor did I instruct them to furnish this report, to create this report, and I never consented to this report in the first place. They grossly misrepresented my credit score to financial institutions for those reasons need to remove all inquiries, collection accounts, and charge offs, per violation of title laws.
Consumer complaint received 2022-08-03
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. (CA)

I filed a dispute with Experian on Saturday, XX/XX/2022 and on Tuesday, XX/XX/2022 They stated the verified that what is reporting is correct with XXXX. When in fact that is a lie, but they sent me a payoff letter and i have my bank statement that shows it was paid as well. They are not investigating disputes at Experian. They are literally just saying they have investigated when in fact that have not did any kind of investigation. This is breaking all kinds of fcra laws. I may not be a lawyer, but I have the purple FCRA book and I have read them all.
Consumer complaint received 2023-03-17
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-17
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I was behind in payments with credit acceptance. The account became 120 days delinquent and they reposed the car at that time. I called the same day that the car was reposed to see what my options were. They explained the process and how much it would be to get my car out and we set up a new payment plan with a new payment date. They still continued to report my account as delinquent to the credit reporting companies even tho I entered into a payment arrangement and made my payments since on time every month.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$450.00}
Consumer complaint received 2023-03-17
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act ; XXXXXXXX XXXX Account : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-17
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. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX