davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am a victim of job fraud. I applied for a job on the job posting called XXXX for a " Receptionist '' at XXXX XXXX XXXX. On XX/XX/XXXX, the job listing texted me a interview questionnaire to complete with a series of questions and information on my job capabilities and job task/requirements/benefits. I completed the interview questionnaire and received a confirmation that I had got the job on XXXX XXXXXX/XX/XXXX at XXXX. They sent me the link to their official website and explained to me procedures and task to get started. They said that in order for me to get the work at home equipment, that they would send me a cashier check through XXXX tracking system and I were to purchase their equipment from one of their 107 affiliate vendors. On XX/XX/XXXX, I received the cashier 's check and was told to deposit the check for the work at home equipment. I went to my bank and deposited the check. I walked out and my mom called. I told her what I was doing and she explained that these are red flags for job listing. I looked up on XXXX " job fraud signs '' and one of signs was cashier check. I called my bank XXXX immediately after I deposited the check and explained to them that I am a victim of job fraud and I believe the check is fraud as well. They said okay and that the would let their check department know. 2 days later after the incident and I took a look at my account ; it was closed with out any notification from the bank.
Consumer complaint received 2021-10-14
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. (NY)

I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I was going over my credit report and noted inaccuracies in the payment history as well as the closing account date. I contacted the company to address this and they responded that they would remove all payment history and XXXX out the balance on the account due to it being sold to another lender. When I pulled my report the same reporting information is being reported and the inaccurate payment history stating that payments were made XXXX and XXXX of 2018 to one agency and that no payment was received in the same months to another agency. Also, the close date has been reported as XX/XX//2018 on XXXX, But account being open with payments being made on XXXX. This company has refused to fix the situation prior to now and continue to report inaccurate information to my account violating FCRA. I have attached a recent copy of my credit report with all three bureaus combined.
Consumer complaint received 2022-06-29
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FC HoldCo LLC (FL)

I contacted Flagship Credit Acceptance and advised them that they are violating my federally protected consumer rights by not providing me with the correct form to opt out of credit reporting. I have advised them several times that this is a violation of the privacy act. Also, this is a form of identity theft since I did not authorize them to report private information to a third party entity. Flagship Credit Acceptance has not asked for my consent verbally nor written to report such transactions to the credit reporting agencies.
Consumer complaint received 2022-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (IN)

I purchased A car XXXX XXXXXXXX XXXX XXXX  from XXXX XXXX, XXXX in. XX/XX/XXXX. I think I may have been part of XXXX XXXX. I traded in a XXXX XXXX XXXX ( XXXX ). The XXXX did have a balance and with the price of the XXXX XXXX my payments seem to be high at {$450.00} biweekly. This is my first car financing on my own and maybe there were some things i didn't understand regarding financing. I didn't realize I would spend {$900.00} a month for a car note. In further review of my paperwork i realized I have gap insurance, but no one discussed this with me ; Hence the gap document isn't signed by me. gap insurance is something i could've picked up off my car insurance. I'm assuming the extra $ XXXX is from gap. I was under the impression my entire car note was {$450.00} a month with {$250.00} biweekly payments. I'm now in jeopardy of losing this vehicle, as it's been very difficult to maintain life. I needed the vehicle to have reliable transportation due to a son on the XXXX  with therapy Appointments. weekly. He has a certain school he must maintain days enrolled and needed reliable transportation. if someone can review my sales contract to see if this was predatory lending or an issue of a misunderstanding. Thank you in advance for the prompt assistance. There are discrepancies with my trade in amount, upside down balance and GAP charge.
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (ID)

Reached out to ARS to ask for Validation and they continue to say they have. After reviewing the information and after constantly asking ARS for this information on XX/XX/XXXX after claiming they did on XX/XX/XXXX. Asked them to provide the original documentation and still to this day have not gotten a copy of that letter. Have asked them multiple times for even if they had the rights of owning or right to pursue in my state which is now Idaho and never answered. I went on the Idaho collection verification website and see that they are not even licensed in the state of Idaho to attempt to collect a debt
Consumer complaint received 2022-08-19
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. (IN)

I'm a victim of Identity Theft from Data Breaches with XXXX  XXXX and XXXX. My SSN was hacked and stolen and used for Unemployment Benefits in Kentucky. I also have open actual factual inaccuracies within my credit report. I have 5 accounts that are reporting inaccurate late payments i would like these late payments removed immediately from the following accounts and updated across all 3 credit bureaus as a result of 15 USC 1681 ( b ) Permissible Purpose and falsely reporting inaccurate information, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I would like the following 3 charge off accounts deleted across all 3 credit bureaus for Inaccuracies, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

I would like the following 2 collection accounts deleted immediately from all XXXX credit bureaus for inaccurate Date of Last Activity, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX 

The following inquiries are to be deleted immediately as I didn't authorize this, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-08-20
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. (NY)

To whom it may concern, I sent Experian a letter on XX/XX/2022 demanding deletion of multiple accounts that were reported on my consumer report. I never gave any written instructions to Experian to furnish a consumer a report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Experian provide proof of written instruction from myself the consumer instructing them to furnish a report. These false and misleading practices used by Experian to obtain my consumer information from XXXX XXXX and various sources violates 15 USC 1692e ( 10 ).

They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and use of deceptive means to collect my consumer information without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on. I have tried multiple times to get Experian to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Experian on XX/XX/2022, XX/XX/2022 and XX/XX/2022 I sent letters of dispute for these accounts to be removed. 
I as a consumer have suffered from obscene and profane language on my consumer report. I suffered from XXXX  and XXXX because I'm unable to obtain employment or credit and fell into financial hardship and have not been able to obtain insurance or housing. My family and I suffered from abuse from Experian. 
By Experian obtaining my consumer information without any consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to15 USC1692d ( 1 ) ( 2 ). 
Experian knowingly and willfully obtained my consumer information under false pretenses from XXXX XXXX as they state as the source of where my consumer information was obtained from without my consent to furnish a consumer report and service their customers violates my right as a consumer according to15 USC 1681q. 
My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without consent being made available to service their customers such as creditors, employers, insurance companies, landlords etc. This violates 15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.
Consumer complaint received 2022-04-27
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 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

After XXXX confirmed that Loans 1 and 2 were in repayment under the PAYE plan when I called them on XX/XX//2019 ( which was additionally confirmed when I heard back via CFPB complaint XXXX ), XXXX attempted to retroactively place my loans in repayment in forbearance, even while they were in repayment with XXXX and despite the fact XXXX assessed a payment on XX/XX/2019. I never requested forbearance on these loans while payment was being assessed.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hey hope you guys can help me in this matter. There were a couple inquiries I noticed on my credit report today that are fraud. I never gave these companies my personal information to run my credit report. They are in violation of the Fair Credit Reporting Act 15 USC Section 1681 for unlawfully obtaining my credit report. I never gave them permission these are FRAUD. I noticed my scores have also tremendously dropped due to these companies non compliance. I tried calling and sent letters and nothing was resolved I have no other choice but to submit a complaint on my end. I also attached an identitytheft report because these are not mine. Thank you for your help.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (MN)

I bought out my lease in XXXX of XXXX. The car was paid in full, yet title remained in Hyundais name. I am now seeking to get the title put in my name, but require Hyundai to send me the title and a letter authorizing me to transfer title in to my name, as the legal owner. My initial request was sent 5 weeks ago, at which time I was told a copy of title and the letter authorizing me to put title in my name would be emailed to me, and the original title would be mailed to me. ETA provided of 5 business days. Five days later, nothing received, I called back to find out they had no record of my request, but they would start it now. 5 more business days requested. After those five days, I received a copy of title via email, but no original title or title transfer authorization. I called again, and was told I could not receive either without an Odometer Statement, something never mentioned in my two previous requests. They sent me the Statement, I signed and returned immediately, and have e-mail confirmation from HMF of the documents receipt dated XX/XX/XXXX. I was then provided another 5-7 business day turnaround time to process the statement and attach it to my account. On XX/XX/XXXX, I called to confirm receipt of the Statement, and was advised they dont have it. They sent me the Statement again, I completed immediately and returned, and received another e-mail confirmation from HMF that the Statement was received dated XX/XX/XXXX. Ive now called again today, XX/XX/XXXX, and been advised that they dont have the Statement, 14 days after I received confirmation that HMF has the completed document. They sent the Statement again, I returned it again, and have an additional confirmation of receipt by HMF. 

Everyone I speak to shares the same story about not having any direct communication with any other department, and therefore no Avenue to research, investigate, or escalate the situation. Everything thats been asked for by HMF has been provided multiple times, with confirmation from HMF that its been received, yet no level of customer service is able to assist further, or provide any alternate Avenue to completion. At this rate, the five weeks Ive been attempting to work with HMF is going to increase exponentially because nobody at HMF believes its their responsibility to actually assist, they simply pass the responsibility on to a department they cant speak to directly. 

I want the title and the POA authorizing the title to go in my name, and Ive waited through several failed 5-7 business day turnaround times. There should not be any more such delays.
Consumer complaint received 2022-08-20
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: Experian Information Solutions Inc. (NC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I have called and requested verification of the debt from XXXX XXXX XXXX numerous times. I sent a request via certified mail in XX/XX/2018. I received the signed receipt from the Post Office on XX/XX/2018. XXXX XXXX still refuses to provide proof of the 2 collection account for Medical of {$330.00} each. I have spoken with the original creditor and they state I have no open balance. I have requested that they remove the collections from my credit report and they refuse.
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Inquiring, didnt apply for this card, this bank indicated that they had a problem with me before. If they had a problem before, please erase the problem, again I didnt apply for this card. Please remove this off of my credit and what ever the bank is saying about me please remove the problem off my name and your data.
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not authorized TransUnion or XXXX permission to release my credit information or have I authorized these 35 inquiries on my profile with the exception of XXXX XXXX, XXXX XXXX. I have begged them to remove these inquiries and fraudulent accounts. They have refused
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

On XX/XX/XXXX CBEGroup posted a collection on my credit report that they purchased from another collection agency ( XXXX XXXX XXXX XXXX  ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX  directly to tell them that a XXXX XXXX individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

XXXX XXXX of XXXX XXXX, XXXX and Honda Lease Trust On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a 150 points. I have tried contacting them about this matter and nothing has been resolved.
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NC)

There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. The credit reporting agencies continues toviolate my my rights according to 15 USC 1692. Any bad debt furnished on your reports are ruining my reputation and its defamation of character.