davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (CA)

Institutional systemic racism continues to keep rearing it's ulgy head!!! Transworld System Inc. is attempting extortion by erroneously inaccurately staining my credit report by claiming I have a collection account owing {$110.00}. I have NEVER been contacted with ANY documentation, or via phone call by Transworld System Inc. They are in violation of the F.C.R.A. by NOT properly communicating with me regarding this suppose debt. or the extortion attempt, and I have NO knowledge of ever doing ANY business with them, nor knowing who they are.
Consumer complaint received 2023-11-17
Product: Credit 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: AMERICAN EXPRESS COMPANY (FL)

Good evening, This letter concerns the transaction on XX/XX/2023, from XXXX in the amount of {$310.00}. The reason for disputing this transaction is that the hotel room was canceled due to the unsatisfactory condition of the room. Both rooms smelled as if someone had urinated everywhere. I canceled my stay at the front desk and was informed that I would receive reimbursement within 7-10 business days. As that timeframe had elapsed, I disputed the transaction through American Express. Initially, I received a credit, but it was later revoked. I reopened the dispute, contacted XXXX, and have video recording proof that XXXX will reimburse me. However, they lied about that, and American Express closed the dispute again, stating I didnt have pictures or didnt cancel the room before checking in. 
How can a person check the room before checking in with the hotel? This doesnt seem reasonable or possible unless there is a policy by American Express and XXXX that customers are unaware of. I reached out to XXXX again and was promised reimbursement once I provided the following information : Documents needed : For bank/credit card statements, please ensure the following details are visible : The cardholder 's name The banks logo The last 4 digits of the credit card number The merchants name The transaction date, amount, and currency I provided the required information, and XXXX claimed they couldnt reimburse me because they never received any form of payment from me.

If I can be of any assistance with this issue please let me know. This is around my fourth time doing this dispute and would like to receive my refund as I was promised.
Consumer complaint received 2021-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For several years I have paid an account on my credit report to avoid negative reporting on my credit file. The company refuses to close, refuses to give information regarding the card, and informed me the account is restricted. However, they will accept payment. When contacting a representative by phone, they have made me aware that they dod not have proper authorization to open the card and requested my authorization by allowing them to run my credit. If they required my authorization, my question is, why and how were they able to report a debt to my credit. I want the account closed. I have experience credit fraud over the years, and since reporting with local authorities, it was advised that I apply for a new social security number. Once again I contact the card company and request information but they disconnected the line fir no apparent reason. The previous time I contacted the card company, they requested that I fax over authorization to run my credit. I find this suspicious. Additionally, they are unwilling to assist. The last person I contacted worked in the fraud department. Her name was XXXX. She was a fraud specialist who was not able to provide a last name, or representative identiciation number.
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2021-03-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank added a {$6800.00} fee that was not disclosed the night before scheduled closing and my scheduled moving date. Mortgage representative stated in writing the fee would not be added and it still was. When I spoke with the representatives supervisor, he discouraged me from complaining and said they may not give me the mortgage if I complain about the lies from the company. The supervisor has not responded to calls and emails over the past 10 days requesting escalation to their legal team.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (ME)

Letters were sent to LVNV FUNDING LLC In regards to a XXXX rewards credit card issued by synchrony bank. The card was purchased by XXXX XXXX And then sold to a collector LVNV FUNDING LLC. LVNV Funding has disclosed false information on my credit report stating I owe XXXX XXXX XXXX dollars. The information was disputed in accordance with FCRA Requirements and XXXX letters were mailed with tracking to XXXX Funding asking for verification license numbers, how they came up with this debt and how they verified I owed them the debt. The response received was a statement from XXXX XXXXXXXX. This is not from the creditor that is listed on the credit report which XXXX XXXX XXXX. I have given lvnv funding more than 60 days to resolve and they have failed to do so. At this time I am asking they be investigated for fraud and violations of FCRA and remove any damaging false information that has been added to my credit report.
Consumer complaint received 2023-05-01
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)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00}.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a text stating someone was trying to transfer {$3500.00} to a person I do not know on XX/XX/2022 The text asked if it was me that initiated the transfer or not, I replied no and then the text said a Bank of America will contact me. Three minuets later a XXXX number contacted me and sounded professional and told me to XXXX {$2000.00} in one instance and another {$1000.00} in a different instance. Both was sent and I was told it would be credited to me within 48 hours so whoever was trying to get the initial {$3500.00} won't try again. It has been 72 hours and I did not receive anything. I contacted my bank and filed a report for the scam and my investigation is ongoing and will not hear anything for 10 business days on whether or not I will get my money credited back to me.
Consumer complaint received 2021-03-29
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. (VA)

Mailed the letter to Transunion for their violation pursuant to FCRA 604 - 15 USC 1681b. Permissible purposes of consumer reports. I, XXXX XXXX XXXX XXXX being the original creditor and consumer never gave TRANSUNION any written consent, and no authorization to report anything on my consumer report. No consent is Identity Theft. 

Please see attachment
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mid-Atlantic Finance Co., Inc. (FL)

I paid my car in full XX/XX/2021 with Mid Atlantic Finance. My payment in full was made a month early the supervisor that took my payment advised me I would be recieiving a paid in full letter along with payment receipt that reflects a XXXX  balance. She then explained I wouldn't be able to recieve those documents right then due to processing of the payment which would take 3-5 business days depending on bank, I used my debit card on file that is set up for automatic withdrawal that payment cleared almost immediately. However come Monday XX/XX/2021 I still havent recieved a email from the supervisor or anyone associated with Mid Atlantic I have called over 5x today, spoken with 3 supervisor that were EXTERMELY RUDE, they were not helpful and never sent me any emails even after repeately telling me I would after 5mins. I called back for the 6th time to finally speak with a supervisor that actually sent an email with an attachment however the attachment was nothing more than my payment history something I could see on the app The payment history still shows my monthly installment due to XX/XX/2021 nothing indicates the car is paid off. The supervisor did explain it would be 30 business days before I recieve my title, I have no problem waiting 30 business days for the title but i do have a problem waiting 30 days for paid in full letter or copy of reciept that reflects it was my last payment I am running into issues trying to trade in my car because it's simply showing I am still responsible for a payment and my car isnt paid off. Mid Atlantic Finance Company has by far the rudest customer service agents in the industry of customer service. They are not helpful, they are incredibly rude and just a horrible company to do business with. They charge {$6.00} when you make a payment, the only way to avoid the {$6.00} " service fee '' is to mail a check. The last supervisor I spoke with XXXX XXXX her email XXXX hung up on me while I was speaking and kept talking over me noy understanding my concerns externally unprofessional
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute. 
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2022-06-15
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. (NJ)

In accordance with the fair credit reporting act XXXX  Account # XXXX AN XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance {$1300.00}, XXXX XXXX Balance {$100.00}
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-08-12
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

In XXXX of this year I received a letter in the mail from the State of California about unclaimed money ( approximately {$530.00}, from an XXXX XXXX XXXXXXXX account ) that belonged to me. I contacted Bank of America, where the account was held, and asked them to please mail me a check at my new address. The bank agreed and said the check would arrive in XXXX business weeks. It is now 9 months later and I have not received my money. I am XXXX XXXXXXXX and this having this money would make a real difference to me here at XXXX time.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

I had applied for a loan modification to Fay Servicing due to the COVID pandemic. I had submitted all the required documentation as well as detailed explanation outlining my temporary financial situation. I kept calling on a weekly basis inquiring about the status of my loan modification application. Two days ago, XX/XX/21. I contacted Fay servicing again. They said that they mailed me a letter on XX/XX/21 which I have never received indication that my loan modification was denied and that I had 15 days to appeal their decision. I am going to file the appeal tomorrow. The property address is XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX NJXXXX. My Soc # : XXXX.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this 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 XXXXThis 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.