davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/22 we made a reservation for a XXXX XXXX XXXX in XXXX XXXX, Florida for that same night. When we arrived at the XXXX XXXX XXXX to check in, they wanted to swipe our XXXX XXXX XXXX for an additional {$300.00} security deposit ( no mention of this on their website ) and said we may or may not get {$300.00} back. They said {$300.00} would cover any damage to room including stains on carper, marks on walls, etc., which is crazy because every hotel you ever stay at has all this stuff already and you don't do a walk thru inspection when you check into a hotel room. We refused to swipe our XXXX XXXX  for additional {$300.00} and they refused to give us keys for room and we were forced to leave. When I asked for the clerks name and his managers name, he refused to provide any of this information. I went out to my car and immediately called my XXXX XXXX  issuer, Commenity Bank, about what had occurred and to get them to dispute and remove the {$99.00} charge from XXXX XXXX XXXX and was told to call back when charge had posted through, which I did on XX/XX/22. I was told by Commenity Bank that they had up to 60 days to resolve the dispute. We ended up staying at another hotel in another city that same night, using our XXXX XXXX  for payment to show that we couldn't have stayed in 2 different hotels in 2 different cities on the same night. At the end of 60 days, Commenity Bank still refused to remove the {$99.00} charge and the merchant wouldn't even return our messages about it. We shouldn't have to pay {$99.00} for a hotel night we were refused access to use by the hotel itself under very shady circumstances.
Consumer complaint received 2022-10-13
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. (TN)

Transunion is in violation under15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Banks 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-29
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Av XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXC XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Reference # : XXXX Date Filed : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-21
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. (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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ralis Services Corporation (CA)

The first week of XX/XX/XXXX, I completed a Telephone Application with XXXX of Owning Corporation for a home refinance. On XX/XX/XXXX, I was contacted by XXXX ( Loan Processor ) and was asked for some of the same information that had already been provided to XXXX. On XX/XX/XXXX I was asked by XXXX about a XXXX Lien on said property, I informed her that that issue had been settled in XXXX. I then had to at her request provide proof. First I found a copy of the dated XXXX check to the owner of that loan. This was still not enough. Then I followed that with the specifically requested settlement statement that included that transaction. There were many moments of concern during this process. Even at document signing with place and date discussed the initial signing did not occur on XX/XX/XXXX. After my reaching out for explanation, it eventually took place on XX/XX/XXXX. Curious, the Notary only had copies of " Notice Of Right To Cancel " but did not provide copies of documents for us to have during this period. On XX/XX/XXXX I received the most incredulous request from XXXX. She requested my spouses work information for verification. I was dumbfounded as this is Day One information provided. Then we were back to the lien of XXXX. Finally this, " signed loan documents have expired " due to the unresolved XXXX lien. I had earlier challenged this inquiry due to the fact that we had been serviced by XXXX XXXX XXXX, XXXX  XXXX XXXX and presently XXXX XXXX since XXXX and this was not an issue with their servicing the loan. We feel bias has a role in this. This has been an unbelievable process as we have excellent credit reports and steady employment. It is sad to say that in XXXX, we feel that as a XXXX, XXXX  older married couple we have been unfairly discriminated against.
Consumer complaint received 2020-07-09
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2022-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (FL)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-18
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

This letter was sent ( by mail ) : XX/XX/XXXX They have not got in contact with me since and I still have this on my credit TOYOTA MOTOR CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Unauthorized inquiry to my consumer report ; demand {$1000.00} settlement To TOYOTA MOTOR CREDIT You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. for unlawfully obtaining my XXXX XXXXonsumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A shall not use or obtain a consumer report any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified by section 1681e of this title by a prospective in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 XXXX XXXX  XXXX. XXXX ). 

I have not initiated any transaction with TOYOTA MOTOR CREDIT. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TOYOTA MOTOR CREDIT for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q. 

As a result of you unlawfully obtaining my consumer report without a permissible purpose, you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. 1681n ( a ). 

For the sake of the judicial economy. I am willing to settle this matter without any admitted liability. I offer a full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above within 14 days of receiving this demand. 

Please be advised that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

Summer I became behind on our mortgage payment while in chapter XXXX. We lost 2 subsidies for XXXX children in our care. In XXXX we were able to get back on track. Been paying monthly since. In XX/XX/2020 we received a letter from PHH attorney demanding {$17000.00} with in 10 days or they would release us from our bankruptcy and foreclose on our house. We are XXXX  parents with XXXX babies and also XXXX children we have XXXX  through XXXX  XXXX. My husband and I are essential workers so we continued to work through the pandemic. It was a difficult decision to continue working taking our health and our childrens health at risk. Now PHH wants a large down payment and we have 6 months from that point to pay it off. Are hands are tied but what can we do. We tried to get it stretched further but to no avail. Our bankruptcy attorney wants us to get a third party to help us but with all the layoffs no one we know is in a position to help us.
Consumer complaint received 2023-03-21
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. (OR)

IN ABOUT XXXX OF 2021 I CANCELLED WITH XXXX, THEY LATER TO MY SURPRISE TOLD ME I OWED THEM MONEY, I WENT IN TO THE XXXX OREGON OFFICE AND PAID IT ( EST {$350.00} ) I LATER CAME TO FIND I AM IN COLLECTIONS I HAVE CALLED TRANSUNION, THEY SAID I WOULD NEED TO SEND A PICTURE VERIFICATION DUE TO MY LOSS OF ACCOUNT/PASSWORD ..., THEY SAID IT WOULD TAKE 4-10 DAYS TO GET BACK, IT IS 14 DAYS AS OF THIS LETTER AND I HAVE EMAILED THEM AGAIN 3 TIMES OVER THE LAST 6 DAYS WITH " XXXX '' RESPONCE
Consumer complaint received 2022-05-19
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-03-18
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. (MI)

XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXXHad a {$0.00} balance. Only used this card couple times a year. XX/XX/ late fee {$11.00} + {$1.00} interest charge. Balance {$23.00}. I believe it was XX/XX/ when I noticed the fraud. I made no purchases and unfortunately XXXX Bank emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around
Consumer complaint received 2021-05-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

My wife and I recently refinanced her student loans with XXXX, who immediately sold them to this horrible company Firstmark. 

Our first payment of {$370.00} was due on XX/XX/2021. Our bank paid them electronically on XX/XX/2021 in the amount of {$600.00}. First mark is claiming that didnt happen and if it did I have to prove it by sending them an email with pictures of the check front and back. 

There is no check ... it was an electronic funds transfer. My bank helped us get copies of my bank statement, payment history and electronic confirmation number. I emailed it all to them and in response they emailed us back saying they could verify our identities. 

Everytime I call they tell me no payments have been made, tell me to email, put me on hold, and then hang up. I've tried to start an online account but when I do they tell me I already have one ( I don't, I've never done business with them before ) when I request a user name or password reset they tell me I dont have an account set up. 

They're taking our money, claiming they arent and demanding more. Not sure what to do. Why would our government give people like this a license to operate?
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (NJ)

When I walk into a PNC branch office I am constantly being harassed by PNC employees. The constantly try to collect my private data and sell me services I am not interested in purchasing. I receive several phone calls a month from PNC trying to sell second mortgages. The PNC sales team will say anything to obtain a lead and set up a follow up phone call which results in nothing. PNC uses very aggressive sales practices which is becoming uncomfortable to me as the consumer. They are so aggressive and annoying that I don't want to walk into the bank branch office because I know I will be harassed by their staff. The last time I was called by PNC I asked them to please leave me alone and stop harassing me, but they do not stop. I am requesting that PNC stop their aggressive sales practices, stop invading my privacy and please leave me alone. I can't cash a check without being badgered by aggressive sales people who just don't stop pushing and constantly calling me to sell services I'm not interested in purchasing. This organization is " In Your Face '' aggressive and I am asking PNC to please leave me alone. If I need financial services, or help, I will let them know. I had one PNC employee point out that my drivers license was close to expiring and demand I let them know when the license will be updated. They literally grabbed my license from my hands to inspect. Enough is enough! Please stop harassing me.
Consumer complaint received 2023-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

On XXXX XXXX XXXX I mailed RBFCU payment fulfilling the pay-off amount for my vehicle I refinanced through them. I accepted the pay-off slip they provided me with and used this as a negotiable instrument. I included instructions with my payment instructing XXXX XXXX to apply Principal balance to account # XXXX for set-off and requesting that my title be mailed to me. RBFCU failed to do so and responded with an anonymous letter on XX/XX/ stating We are unable to process the payoff you indicated. 

On XX/XX/, I wrote RBFCU a letter asking them to explain why they would be exempt from the following obligations outlined in the Federal Credit Union Act : ( from the Federal Credit Union Act ) 1795f. Powers of Board ( b ) Collection and settlement of checks, share drafts, etc. ; charges ; rules and regulations ( 1 ), Federal Regulations XXXX XXXX XXXX  A Part XXXX Accounts evidenced by negotiable instruments, Title XXXX XXXX XXXX  Part 1 1.100 Indirect general obligations, or 1.120 Prerefunded or escrowed bonds and obligations secured by Type I securities I also informed them that I was well within in my rights pursuant the Federal Credit Union Act 8 ( A ) Rights of parties to Contracts ( iii ), which makes it clear that I am not prohibited from offset, as was requested in the original instructions. 

I also requested validation of the debt and accounting. RBFCU still has not responded to my letter, or accepted my payment. I am claiming there is a breach of contract based on the above codes Ive included from the Federal Credit Union Act. I have enclosed a copy of my original instructions, my Second Notice and Oppportunity to Cure, and RBFCUs correspondence.