davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/ XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

The following transactions were on my checking account and total the amount of {$2500.00}. Huntington will not provide me with any information regarding the fraud departments findings after many phone calls I have made to them. They continue to tell me the info will be mailed to me and I yet to receive anything. They claim I did approve the first 90 days of payments, but will not provide me any information on how this was proven in their investigation. They will not help me determine what happened with the rest of my money or how to get it back. These are all withdraws from a company called XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have confirmed with me I don't have any type of account with them. 
XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22. XXXX XX/XX/22. XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. This account is also reporting inaccurate accross all 3 reporting agencies. Thanks.
Consumer complaint received 2023-04-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of my vehicle, which was stolen and subsequently repossessed without any notification or assistance. XXXX is currently threatening legal action against me, demanding that I pay {$16000.00}, despite the fact that my vehicle was stolen and I made repeated efforts to recover it. 

In XX/XX/2022, I discovered that XXXX, the towing company that had my vehicle, had been hiding it from me despite my multiple attempts to contact them. My father finally reached them under the pretense that he had funds to retrieve the vehicle, at which point XXXX stated that I owed {$11000.00} to get it out. I also reached out to XXXX multiple times to seek help in recovering my vehicle and my personal belongings, but they refused to assist in any way. 

XXXX did not notify me when they repossessed the vehicle from XXXX and failed to provide any paperwork concerning this repossession. When I called XXXX last week, they informed me that they do not issue documentation for vehicles that have been reported stolen. I find this to be an unacceptable response, especially considering my vehicle was stolen and I have a claim ( Claim No. XXXX ) XXXX XXXX XXXX regarding this incident. 

I believe XXXX actionsthreatening legal action for the recovery of {$16000.00} while refusing to assist or even notify me of the repossessionare not only unprofessional but may also be in violation of consumer protection laws. This lack of communication and assistance has caused me significant financial and emotional distress, as my personal belongings worth approximately {$30000.00} were left inside the vehicle. 

I kindly request the Consumer Financial Protection Bureaus intervention to investigate XXXX handling of this case and to prevent further unjust actions against me. Any guidance you can provide would be greatly appreciated. 

Thank you for your attention to this matter.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-15
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. (IL)

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX reported a 30day late payment which was incorrect. 
I disputed this incorrect info with all 3 bureaus and during dispute process with Equifax XXXX XXXX then corrected the info by sending response that the XXXX/2022 payment was not late so 30 days late status was deleted. I then contacted XXXX XXXX  again due to it was corrected on Equifax but not on XXXX XXXX XXXX. 
They proceeded with another investigation and still did not change the XXXX & XXXX status but proceeded to go back to my Equifax report & reported another 30days late status for the same date of XXXX/2022 that they had previously investigated & corrected!
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I am formally disputing the interest charges that have been applied to my account from XX/XX/XXXX which as of XX/XX/XXXX totals {$270.00} I responded to the Hilton Honors AMEX offer that I was sent for a new card with 0 % intro APR for the first 12 months. This was the primary reason why I signed up for this card knowing that I would have a larger balance on the card for the first year. 

When I got my second billing statement I noticed that I was charged interest on my balance. I contacted AMEX to dispute this and report that I was not given the offer that I initially signed up for. I was told that this was being investigated and I would hear back in 10 business days. ( reference # XXXX ) When I did not hear back, I reached out again and was told that the investigation would take an additional 1-2 weeks. When I followed up again, I was told it would be an additional 6-8 weeks to complete the investigation. 

When I contacted customer support again on XX/XX/XXXX, I was told that the investigation was concluded and they did not find any evidence that my offer included a 0 % APR for the first 12 months and that no further action would be taken. I told the representative that it clearly states this offer on the postcard I received and this was the offer that I accepted using the offer code XXXX when I signed up at XXXX. 

The representative informed me that they could not see the previous documents that I had uploaded showing this offer. 

I told the representative that I felt that this matter was not thoroughly reviewed and that the offer that I initially signed up for was not correctly applied and that I have been fraudulently charged interest over the last several months. 

The representative created a new dispute ( reference # XXXX ) to have my concern reviewed again. 

At this time, I am respectfully requesting that the interest that has been charged to my account from XX/XX/XXXX forward be credited back to my account. 

I will continue to seek a resolution on this issue until this error has been corrected and I have been credited the interest that I have been incorrectly charged. 

Thank you in advance, XXXX XXXX XXXX
Consumer complaint received 2022-09-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MI)

My home was in foreclosure process XX/XX/2022. I applied for XXXX Assistance XXXX ( XXXX ) and was in loss mitigation stage ; the XXXX was it was accepted XX/XX/2022. At this time, I was told the foreclosure process would cease due to being in the loss mitigation stage. The home went to sale XX/XX/2022, and I was unable to fully exercise my right to loss mitigation. I contacted the servicer, Planet Home Lending, and told the home had went to sell. I spoke with the XXXX of foreclosure prevention department and she explained there was nothing they could do on their end to reverse the sale because it already went through and that I needed to contact the courts to exercise my redemption rights.
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (NJ)

This company constantly reports inaccurate info on my credit report and its hurting my score, my job search and apartment. This company reports different info to each credit Union. XXXX deleted this account, because info was correct and I never was provided the documents to prove this is my account. XXXX and experian is still reporting this account so I want it removed. The only thing the company is saying is that its my account, I didnt receive any of the documents I asked for. Please delete
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and 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 2024-08-28
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America violated Regulation E by taking almost 3 years to properly investigate my unauthorized charges and atm withdrawals dispute totalling {$12000.00}. For almost 3 years Bank of America denied my claim and kept my account in a frozen status, and blocked XXXX benefits deposits from reaching my account from XX/XX/XXXX through XX/XX/XXXX, totalling {$28000.00} in lost deposits that were never recovered by Bank of America. After almost 3 years since I had first initiated a Reg E dispute with Bank of America XXXX Bank of America had finally investigated the {$12000.00} claim, however, although BofA had resolved the claim in my favor as stated across the top of the claim resolution letter, to date, BofA has only paid me {$6900.00} of that {$12000.00} claim. BofA has also closed my account without returning the full value of the claim as repeatedly promised by Bank of America on recorded lines, and has also refused to return the {$28000.00} in blocked benefits deposits. Bank of America has contracted a company called XXXX XXXX to pay me additional compensation for the all of the losses I had suffered as a result of Bank of Americas illegal actions, and has required me to submit facts and evidence of my losses to something called the Individualized Review Process. I have submitted all facts and evidence substantiating my direct and resulting losses into the XXXX, however, to date, I have not received the additional compensation Im legally entitled to, and have not been given a timeline for resolution from XXXX XXXX. When I contacted XXXX by phone, I was told that no one has been paid, that there are submissions still being worked on by XXXX from XXXX, and that it could take months or years for my case to be resolved, and that no one is given an estimated timeline for resolution.
Consumer complaint received 2023-03-30
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. (NY)

As I had reported to your office in bank in XXXX, as a consumer, I was a victim of predatory lending by XXXX XXXX of XXXX, NY ( car dealership ) and XXXX XXXX XXXX XXXX XXXXXXXX. These two entities played in concert to inflate my income to justify the debt-to-income ratio in getting me into a used XXXX XXXX XXXX that I could not afford and had no business getting into. All the proof is in writing so no way for anyone to dispute what I provided as my income and what XXXXXXXX XXXX shows as my income. Over XXXX off in what I make per year to what they are showing. XXXX XXXX ( the dealership ) is now pointing its finger at XXXXXXXX XXXX to blame and the bank is blaming the dealership. While Im stuck as the victim of a fraudulent debt and XXXXXXXX XXXX destroying my credit at free will each month. 

Long story short, as I am immensely struggling to make the above car payment living on XXXX and on Social Security benefits, my attorney and the bank 's attorney ( as you can see attached correspondence dated XX/XX/XXXX ) came to a settlement that affective XX/XX/XXXX by monthly payments would decrease to {$450.00} per month ( still very high but will try my best to pay ) and my credit report will be cleaned and no longer show delinquencies. As you can imagine, XXXXXXXX XXXX has been pummeling my credit each month. In return to the above amicable settlement, I was to no longer complain or talk about the scheme that I was a victim of between XXXX XXXX and XXXXXXXX XXXX. 

Today, XX/XX/XXXX, as I was preparing to make the above {$450.00} payment to XXXX XXXX for the XX/XX/XXXX auto loan payment, I got the attached " delinquent '' alert from XXXX? Seriously? Claiming that I was delinquent in a payment again and now owe the bank the amount of {$1900.00}? I immediately called XXXX XXXXXXXX XXXX XXXX XXXXXXXX this morning and spoke to a XXXX XXXX and he said " unfortunately will we continue to hit your credit as delinquent as there is nothing we can do about it. Agreement or no agreement. '' Nothing short of disturbing the scheme, scam and bullying that I've been subjected to as an innocent consumer. They are trying to shake me down in any way possible. Either pay the bad loan we tricked you into or we will continue to destroy your credit. Agreement or no agreement. 

What makes matters worse is that I'm trying to co-sign on a loan for my daughter and XXXXXXXX XXXX XXXX XXXXXXXX has destroyed my credit to the tune of over 140 points per bureau to force me to pay for their predatory lending scheme.
Consumer complaint received 2024-11-22
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. (FL)

Subject : Failure to Conduct a Proper Investigation of Disputes and Address XXXX Non-Issuance by Collection Agency I am filing this complaint against TransUnion for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with TransUnion regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a Collection Agency : My credit report includes a collection account from [ Collection Agency Name ] ( Account Number : [ Account Number ] ), which I have disputed. The collection agency has failed to issue a legally required XXXX ( Cancellation of XXXX ) form for this account. Under IRS guidelines, creditors or collection agencies must issue a XXXX for debts of {$600.00} or more that have been forgiven or canceled. 
Despite my dispute, XXXX, XXXX, and TransUnion continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 
Key Violations : XXXX. Failure to XXXX a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide XXXX of XXXX : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( XXXX ) and 15 U.S.C. 1681i ( a ) ( XXXX ). 
XXXX. Inaccurate Reporting and Failure to Address XXXX Non-Issuance : o XXXX, XXXX, and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.