davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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. (LA)

I HAVE REPORTED THIS INACCURATE SEVERAL TIMES OVER THE PAST YEAR, TRANSUNI ON ISNT DOING PROPER INVESTIGATION AND ONE OF THE INVESTIGATION TOOK LONGER THAN 30 DAYS. THE ACCOUNT IS LISTED BELOW : U.S. Bankrup tcy Court
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is Triple reporting one set of XXXX Loans.. I have contacted the Original creditor any they informed that these loans are with a collection agency.. I provided screenshots of said accounts. US DEPARTMENT OF EDUCATION 2 times, US DEPARTMENT EDXXXX, XXXX XXXX XXXX SYSTEM 2 TIMES... THESE ARE THE SAME account that is current closed and with a collector. I have filed two disputes with TransUnion concerning this and they have yet to amend this ... Also I have mentioned that the address below is not mine and they have not removed it in VIOLATION OF THE FCRA. Address XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: VW Credit, Inc (TN)

I went to Volkswagen of XXXX XXXXXXXX to purchase a vehicle and satisfy the entire price of the vehicle via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to Volkswagen of XXXX XXXX made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " credit application account # XXXX " with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the purchasing order and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the XXXX XXXX XXXX XXXX causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did VW Credit have the right to assume anymore a debt wherefore collection could be made. VW Credit Inc further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX vin # XXXX ) by way of their self described " reposession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to multiple " Credit Reporting Agencies '' for profit such as XXXX, XXXX, and XXXX see proof attached in the next document labeled attachments XXXX, and XXXX. Please see full attachment of the correspondence via the mail that I gave to VW Credit Inc labeled attachment # XXXX on the date XX/XX/XXXX CERTIFIED MAIL, RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX XXXX, and Attachment # XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (IL)

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-04-08
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: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2023-01-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/XXXX we opened a 24 month XXXX CD with Synchrony Bank at 1.39 %. In XXXX, XXXX, we took advantage of the XXXX and went to 2.75 % APY. A couple months later, when Synchrony offered a 4.6 % 14 month CD we did the math and determined we would be better off paying the 6 month penalty and converting the original 24 month Bump CD to the higher rate 14 month CD. I made a couple of calls to Synchrony in advance to determine the calculation of the penalties since it involved a Bump CD. The two agents were unable to advise me since the calculations were done at a different department. They assumed, like me, that it would be the actual first 6 months of interest that we earnedwhich was {$1400.00}. 
On XX/XX/XXXX we called to make the conversion a reality and on XX/XX/XXXX the transaction was completed. Now the idea of paying a huge penalty for early withdrawal is barely palatable ( but understandable if it is exiting the bank ), but paying the huge penalty when moving from one CD to another at the same institution is more like bank greed. However, instead of just taking the first 6 months of interest we were actually paid, they decided to charge the entire 6 months penalty at the higher bumped up rate, which is not ethical and is more closely aligned with the aforementioned greed. We feel cheated out of {$380.00} due to the deceptive way they calculated the penalties. 

I wrote a detailed letter to Synchrony explaining our position and received a phone call ( XXXX ) from a supervisor in the Trust department who explained they could not make an exception. 

We think their method of calculation is unfair and they should return the extra {$380.00}.
Consumer complaint received 2023-01-14
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. (CT)

I requested a credit report on XX/XX/XXXX. 

The TransUnion credit report shows a collection account with " XXXX '' Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer. 

The XXXX credit report shows a collection account with no name, Original Creditor information not available as well as Creditor Contact information not available. There is a partial account number of XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. The FCRA requires contact information to be readily available to the consumer.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Cfpb ; XXXX ; Transunion ; XXXX ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the XXXX Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Consumer complaint received 2023-07-31
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TX)

Ive been dealing with XXXX XXXX XXXX, identity abuse and abuse towards my credit report from XXXXXXXX XXXX XXXXXXXX XXXX 
As of, XX/XX/XXXX, Ive been going back and forth with the company via emails ( XXXX, XXXX ) and phone calls on several occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding my security deposit ( {$1100.00} ), in which has not been returned to date. I became a victim of XXXX  XXXX on XX/XX/XXXX and within XXXX XXXX  I was asked to vacate my dwelling due to the XXXX. Ive filed reports with XXXX  on XX/XX/XXXX on this matter, and the XXXX XXXX XXXX  on XX/XX/XXXX. The Property Manager XXXX responded to XXXX  on 3 different occasions and never stated a balance was owed ( which is false ), she advised the XXXX  that I couldnt receive my security deposit because the lease wasnt met ( my 1 year lease was met as of XX/XX/XXXX and I never signed a new one ). Then all of a sudden I get a Letter dated XX/XX/XXXX stating a debt is owed ( {$1200.00} ) to the apartments and threatening that my credit will be damaged. This Business has caused a great amount of stress in me and my children lives and still damaging my name by reporting inaccurate information on my report. The Attorney General has yet to follow up and Ive sent them follow up emails on XX/XX/XXXX and XX/XX/XXXX. I have all necessary documents and all will be attached below. Not once did the Business state a debt was owed.
Consumer complaint received 2021-06-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (NC)

I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy federal credit union made me purchase insurance separately. This has become fraud on behalf of navy federal credit union for willfully concealing this information that Truth-in-lending states in 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My credit needed some attention and after about 1 year, post pandemic, I began fixing my credit and monitoring my credit report and scores. While repairing my credit significantly I noticed my credit scores increasing which is what I set out to do and wanted. I've re-established credit with old and new financial institutions and obtained new credit cards with other credit card companies. I've used my new credit and to this day I have " Never '' carried a balance, not once. I pay my charges in full and currently I have XXXX balance on all of them, XXXX and there are about 5 major credit cards I have. I monitor my spending daily as I do all 3 credit reports. My credit scores were in the high XXXX 's and 1 was at XXXX just a couple of days ago. Today, XX/XX/2021 I check my credit reports and all of the scores except one, Experian have dropped more than 40 points? and again, I don't now nor have I ever carried a balance and my payments are before on time, I pay any card before it's even due some times. My concern is, why with me being extremely vigilant with my spending and to never carry a balance forward, to me this is unfair for the credit report agencies, XXXX XXXX, who has never raised my credit score went from XXXX to, as of today XXXX and XXXX who just last week my score was XXXX and now it's XXXX. And again, today my credit cards are all at Balance {$0.00}, my monthly payments on my auto lease is impeccably on time, No I am paid 2 months ahead as a matter for fact. I feel the reporting and scoring are totally inaccurate as I have tried too hard and have been too diligent in maintaining a good credit history. It's time for me to push back on what I feel is clearly Unfair credit reporting and they have lowered my standings in terms of my credit worthiness.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (DE)

XX/XX/21 chase bank closed my account. 
Chase bank didnt send my money {$2400.00} I went to bank 3times and made a phone call multiple times but each time they said they will mail me a check but they didnt
Consumer complaint received 2023-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (NC)

I reached out to my mortgage company approximately XXXX months before my XXXX year anniversary of our homes mortgage which was XXXX of XXXX. I was told I could send an email to remove my mortgage insurance if we qualified once I hit the XXXX year mark with our mortgage as long as our loan to value was at least XXXX percent. I may need an appraisal which was out of pocket but I would receive a notice if this was the case. XXXX months go by and I call my mortgage company and I am told they are reviewing my email. It takes XXXX closer to XXXX months for someone to send me a template saying this is what you need to send us via email. It is XX/XX/XXXX when we receive this template which I promptly email back to them on XX/XX/XXXX to which I receive a generic email saying the process could take XXXX days. On XX/XX/XXXX I send an email voicing my concerns on how long this is all taking and that I would be filing a complaint. The last week of XXXX I call because I do not receive an email response and I am told I need to pay to have an evaluation done on my home. I provide my savings account number to the representative ( they still used the wrong bank account ) on XX/XX/XXXX I am contacted by XXXX XXXX from XXXX XXXX XXXX and Monday XX/XX/XXXX she comes by for an evaluation. I get a phone call a few days later from XXXX ( XXXX I believe was her name ) asking if I have sent my mortgage payment. I let them know I pay biweekly and the payment should be there by the following Monday. She let me know my home qualified to remove the insurance but she needed to wait until the payment posted to my account. XXXX payment still included the Insurance, I just saw XXXX statement and it still includes the mortgage insurance. This company dragging its feet has cost us a little over {$1000.00}. Not sure what is going on here but its definitely deceptive at best and negligent at minimum
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XX/XX/2023 Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX this letter because I was recently going over my credit report and notice the account I had with your company is no longer showing on my credit report. I would like this account reinserted onto my credit file which is in fact accurate and should be reporting. Account # XXXX Ive left an attachment showing it was recently reporting but for some reason its not showing on my current credit file. Have a blessed day thank you.
Consumer complaint received 2021-06-12
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. (LA)

Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extentension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or service on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove theses transactions from my credit report immediately as they are a violation of my rights as federally protected consumer under title 15 chapter 41.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2023-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a call from my bank XXXX Bank of America ) informing me of unusual activity. They stressed the importance of transferring funds so I would not be subject to overdrawn fees. My caller ID showed the caller as Bank of America. They confirmed some personal information on my account. 

They walked me through the transfer using XXXX. They gave me a confirmation code to use, this was actually a phone number. 

As soon as I hung up I contacted Bank of America to stop this transaction. They opened a claim which I found out yesterday was denied.