davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022, I was notified by XXXX of an inquiry into my credit by Bank of America, which I did not authorize nor have I had any contact with Bank of America in about 8 years, when I closed my checking account with them after many unauthorized transactions had occurred. Neither XXXX nor XXXX XXXX show the reason for the inquiry into my credit, which is listed on XXXX. 


I did call the Fraud Department at Bank of America and was told there was no record of an inquiry in their database, however, the inquiry IS listed on my credit report as Bank of America. 

I would appreciate any help you could give in clearing this matter up so I can get this inquiry off of my credit, as I did not at any time authorize Bank of America to make this inquiry. 

Thank you.
Consumer complaint received 2022-08-08
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. (NY)

Good Day, XXXX and Transunion has been contacted to remove the following accounts for fraud : XXXX XXXX XXXX - XXXX XXXX Balance {$6900.00} XXXX XXXX Balance {$4600.00} XXXX  XXXX XXXX Balance {$0.00} Pursuant to 15 U.S.C 1681 a ( 3 ) - XXXX and Transunion assumed the role to report on my behalf and was not given permission to report fraudulent/false information on my consumer credit report. I was not contacted about the above information and did not give XXXX permission to report the above accounts and will require the harmful information to be deleted immediately. 

Pursuant to 15 U.S.C 1681 a ( 4 ) - There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and a respect for the consumer right to privacy. XXXX and Transunion was not fair with reporting the above information because my request to have the information has been ignored several times and they have not considered that above accounts does not belong to me, making them impartial. 

Pursuant to 15 U.S.C 1681 b ( 2 ) - XXXX and Transunion assumed the role to report this harmful information to my consumer credit report. I never instructed them to create this report and I never consented to the information above being furnished on my behalf.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MO)

I signed up for a CareCredit card through synchrony bank. At the time of signing up, I was very clearly told that as long as I paid off the purchase at the end of the 18 month promotional period, I would not be charged any interest on this card. I was then told, that all I needed to do was setup autopay, in which case it would pay the card off by the end of the promo period. I did this, and have been having automatic payments deducted for 18 months. However, I was told completely wrong by someone at the company who clearly had no idea what they were talking about. At the end of the 18 month period, I was charged {$1800.00} of interest on my original {$4200.00} purchase ( which was used for healthcare ). I contacted the company, telling them this was no right, and they told me that I am wrong about how their card works. But I was told by someone who works there how this card works, and was following their instructions! {$1800.00} is a crippling amount of money when it comes to my current financial situation, and I believe it to be completely unfair business practice. I believe I was falsely advertised to, and then was forced to pay money that I should not have owed. I really hope you can help me. And I appreciate your time very much!!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681-2 ( a ) and ( c ) and 15 U.S.C 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, violating my rights! Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both authorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

The three credit bureaus ( XXXX, Experian, XXXX ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXX Experian - XXXX XXXX - XXXX
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

The three credit bureaus ( XXXX, XXXX, Equifax ) are reporting inaccurate information on my credit report and have refused to help me! The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if dates and other items are inaccurate. This is grounds for removal and they also violated my rights under 15 U.SC1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section 2 states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took more time than allowed to complete their investigation, here is my certified tracking # : XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Equifax - XXXX
Consumer complaint received 2022-08-08
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: CITIBANK, N.A. (NY)

Mailed a letter to Citi Bank by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " CBNA '' listed on XXXX Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an XXXX representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " Citi Cards CBNA '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/2022 XXXX
Consumer complaint received 2022-08-08
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. (VA)

I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have mailed and twice notarized documentation that the addresses on my credit report were not mine and were used for fraudulent acitivities. 

I've called and spoken with several agents that indicated that the information would be removed. However, its never been removed. Which allows continuation of fraudulent activities under my name. 

I've been given the run around on how to resolve this issue after trying to resolve this is after stopping a fraudulent tax return under my name. Which has happened in the past, without my knowledge.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WI)

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 5 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/XXXX- XX/XX/XXXX ). Out of desperation I joined a debt consolidation company. I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.

I have been a customer with Chase Bank for both my personal banking and business banking ( XXXX XXXX XXXX ) since XXXX. Over the past few years, I have enjoyed the customer service and financial products you provide and would love to stay a loyal customer. 
Personal Account # : XXXX Business Account # : XXXX
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (TX)

I believe that they have been foraging paperwork for over a year now, and I need someone to look at this for me. My bank statement reflects that I made a payment of {$1000.00} on XX/XX/XXXX however Title Max and XXXX is claiming that I have a late fee or a late payment that was due on XX/XX/XXXX. How can this be so when my bank shows that I paid {$1000.00}. Not only this with the documents were forged in a different amount than what I paid when I called to ask them about this to try to have it rectified, because I still want my loan to be paid off the person on the other end of the line shows to speak to me, like some sort of XXXX, and ended up putting my account in default when it should not be. I am seeking assistance on this as I feel that paperwork has been forged for almost a year now. My account XXXX show as Current as of XX/XX/XXXX. I will not be making any payments until this is fixed. I would like to look into all the money that they have been taking from me each time I signed their forged paperwork over the year.
Consumer complaint received 2022-08-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, we closed on our house paying $ XXXX in earnest money, down payments and mortgaging fees and secured a money purchase loan ( Loan Number : XXXX ) of $ XXXX for our residence. 

Upon recent review, we discovered the lending institution, XXXXXXXX XXXX XXXXXXXX d/b/a The Branch Banking and Trust Company ( BB & T , now Truist ) prior to our closing, assigned our loan to BB & T of North Carolina on XX/XX/XXXX, before their effective servicing date of XX/XX/XXXX. ( See attached This caused us to make further inquiry. On XX/XX/XXXX, we made a call to BB & T asking for a copy of our complete closing package, and all information concerning our loan. The representative informed us that our loan was paid off by an investor, and contradicting information that our loan had never been released. She assured us that she would send us information on the date, and party who paid the loan and confirmation as to the loan having been never released and that we should receive the information within 48 hours. This has not happened! We were even forewarned that the company might withhold the information she ( their customer representative ) was going to attempt to send. 

It is our suspicion that BB & T ( now, Truist ) never intended to send us this vital informationas it only highlights errors made on our loan and augments yet another disservice to hundreds of thousands of other American Consumers, in addition to the XX/XX/XXXX, Settlement Agreement between the United States for identical allegations. 

We are asking the CFPB for any assistance in obtaining this fiduciary information from this illusive and evasive company. 

Regards, XXXX
Consumer complaint received 2022-08-08
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)

I've been disputing adverse information, non- public private information, and mixed file information with Equifax for years to no avail. I've also mailed numerous of written disputes to Equifax via regular mail, via certified mail, online via, Equifax 's website, and over the phone with Equifax to no avail. Pursuant to 15 USC 1681 ( a ) ( 3 ), Equifax assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Equifax permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. Equifax 's consumer report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted info reported at all. Equifax hasn't exercised their grave responsibilities as evidenced by hundreds of inquires they've allowed into my consumer report, the 2017 data breach, the recent revelation that Equifax has damaged millions of consumers by sending erroneous scores, as well as the continuous reporting of unverified accounts on my consumers report. Equifax has shown a complete lack of respect for my righto privacy, by reporting these accounts and inquires without my consent & written instructions. These actions by Equifa are also a violation of the XXXX XXXX, referenced by 15USC 6801and USC6802
Consumer complaint received 2023-05-23
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. (AZ)

Company failed to investigate a late payment reporting inaccurately on my credit report I open the investigation they close it the next day as accurate Ive included a letter from the creditor and they still refuse to remove the late payment
Consumer complaint received 2021-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (GA)

On XX/XX/2021, I applied for a personal loan with best egg. I provided my personal information and was informed that I needed to submit a paystub. I asked to submit an offer letter instead of paystubs due to the fact that I was starting a new job. I was informed that the company can not except an offer letter and pay stubs must be provided.After submitting all of the requested information, my application was never reviewed, I was never contacted by the company to request additional information and my loan was ultimately denied. When I attempted to contact a supervisor at the company On XX/XX/2021, I Spoke with a representative named XXXX and was denied The opportunity to speak with a supervisor by XXXX. I was told that I would receive a callback from the company however I have not heard back from anyone. I was also informed by XXXX that my application was closed due to the fact that I never submitted an offer letter. When I informed XXXX that I previously spoke with a representative at the company and was informed that I can not submit an offer letter there was no attempt to remedy the situation. I would like to have this inquiry removed from my credit report due to receiving wrong information from this company.
Consumer complaint received 2024-11-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My car was total XX/XX/year>, and I report the claim to credit acceptance and gave them the report number to the wreck, I told them I had gap insurance on the car through them, they ask me to send the documents over, I sent it through there XXXX, they said they was going to send the insurance company to look at the car, that never happen, Im still getting harass and threaten to send my gap insurance documents, that I sent 2 times to them! Every time I try to log into the portal, its saying unable!
Consumer complaint received 2023-05-23
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Motor Finance is operating in fraud and performed an illegal repossession on my property. Hyundai Motor Finance sent a 3rd party company to my private property and stole my car. Hyundai Motor Finance is in direct violation According to Federal Law 15 USC 1692e ( 4 ) - which states the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment or sale of any property or wages of any person. Furthermore Hyundai Motor Finance does not have any legal security interest in the vehicle they repossessed/ stole from me, according to the XXXX search attached below there is no legal lien of any kind on my name. Furthermore Hyundai stole my vehicle and my personal property inside of my vehicle with a value of {$250000.00} and gave me no way of retrieving my personal items or getting my property back. Furthermore I asked Hyundai Motor Finance for debt validation on XX/XX/2021 and received by XXXX on XX/XX/2021 in which they did not validate the debt thus defaulting, I sent a default and opportunity to cure notice on XX/XX/2021 and received on XX/XX/2021 in which Hyundai Motor Finance did not respond. I sent a default notice on XX/XX/2021 and received XX/XX/2021 in which Hyundai still has not responded. I have evidence and receipts for all of these mailings in which everything was sent via Notary Presentment.