davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp. (IN)

I went to XXXX XXXX to purchase a XXXX XXXX on XX/XX/XXXX..I was placed in a XXXX XXXX XXXX with a XXXX deposit after the downpayment price on the window stated way less..after that I was told they could not finance me and had sold the vehicle to a carlot in XXXX named XXXX XXXX that would be able to finance me ..during the ride to XXXX I noticed several things wrong with the XXXX..when I brought it to the attention of XXXX the salesman at XXXX he directed me to a XXXX XXXX on his lot with no price or buyers guide on the window..stated he could possible get me financed..asked me for another {$XXXX} and if I could bring in another {$XXXX} the following Friday if he could get me financed and we agreed..it was getting late so XXXX advised me to take the vehicle home and he would notify me once he had an approval..the same day I called and next day I brought the vehicle back to notify XXXX the check engine light was on..the salesman XXXX put the XXXX on a diagnostic machine and told me it was the gas cap..at that point I went to XXXX to get a second opinion and was told a component it the transmission was bad and the heater cord was out..when I went back to notify the dealer I was told my loan had gone through and I had signed everything to purchase the vehicle as is..but they also agreed to fix these issues..when the bank called to verify the loan I also notified them of these issues and that the dealer agreed to fix them..I was told to take it to a shop the dealer used..stalled until the lender paid out the loan to the dealer and then was told that the dealer would only pay for half of the repairs on the transmission and nothing in regards to the heat .At no time did I recieve an actual buyers guide..only a copied front page to sign..not did anyone..the dealer no the lender discuss the terms of my loan with me..the only thing the dealer told me was my payment was {$XXXX} a month .The dealer also took out a loan with another company to pay my taxes and fees on the vehicle and did not notify the lender of this.this dealer misrepresented the condition of the vehicle ..misrepresented the loan process..and is stead fast on saying I purchased the vehicle as is even though those papers where signed based on the dealers intentional deceit. I had a total diagnostic done which states {$4000.00} worth of work..and I stuck in a XXXX loan put down a large down payment and traded a perfectly running vehicle.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After requesting valid documentations about 12 HARD INQUIRIES ON MY CREDIT REPORT, I notice that TransUnion credit report agency violate my rights and section # 604 and # 609 on the FCRA, not providing me with any valid and legit documentation and maybe using the E-OSCAR system in my dispute. " E-OSCAR SYSTEM '' IS AUTOMATIC VERYFING AN ACCOUNT AS LEGIT WITH OUT MAKING A FULL INVESTIGATION AND NOT CONTACTING THE CREDITORS TO OPTAIN VALID DOCUMENTATION
Consumer complaint received 2024-11-21
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. (TX)

XX/XX/2024 Subject : Dispute of Inaccurate Late Payments for XXXX Account Dear CFPB, I am filing this complaint regarding inaccurate information reported on my credit file for the XXXX account. Despite previous requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), the inaccurate late payment reporting has not been resolved. This ongoing issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Failure to Ensure Accuracy : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The late payments reported for this account are inconsistent with my payment history and are inaccurate.

Notification Requirements : Creditors are required to send periodic statements at least 21 days before the payment due date, as stipulated in 15 U.S. Code 1666b. The inaccurate reporting suggests a failure to comply with this requirement. 
TILA Violations The Truth in Lending Act requires creditors to provide accurate and timely disclosures to consumers. The inaccurate reporting of late payments on this account has harmed my creditworthiness and caused unnecessary stress. 

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction to reflect accurate payment history.

A detailed description of the investigation process used to verify the reported late payments, as mandated by the FCRA and TILA.

Attachments : Copy of my government-issued ID.

Copy of my Social Security card.

A copy of my credit report highlighting the disputed entries. 
Copies of my original dispute letters dated XX/XX/2024 and XX/XX/2024. 
If this matter is not resolved within the timeframe stipulated by the FCRA, I will escalate my complaint to the appropriate regulatory agencies, including potential legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previously disputed this item with Transunion, and XXXX which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''
Consumer complaint received 2020-04-27
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. (NJ)

I have filed several complaints against the company and they continue to ask for the same information. In there response of XX/XX/2020 they write they have received my drivers license however need a copy of my Social Security Card. The social security card as well as my drivers license were both mailed in the same envelope via certified email. A number XXXX XXXX XXXX was provided for my custodial parent XXXX XXXX XXXX XXXX to call if there was any further question. On XX/XX/2020 XXXX contacted the number and was advised there would be a delay due to COVID 19 AND SHORTAGE OF STAFF ( UNDERSTANDABLE ). After a 15 minute wait he spoke to XXXX of customer relations who transferred him to another number which he was on hold in access of an hour before he hung up.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. As a victim of a data breach, the following entries are unauthorized and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts 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
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-21
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. (TX)

" 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-11-08
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: EQUIFAX, INC. (GA)

XXXX, EQUIFAX, and XXXX  are in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XXXX XXXX XXXX XXXX  {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the listed accounts and inquiries be permanently removed from my XXXX XXXX EQIUIFAX XXXX and XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights
Consumer complaint received 2019-11-08
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. (AZ)

The following account and credit inquiries listed on my Experian credit report is unauthorized, fraudulent and not my account : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (KS)

In XX/XX/XXXX, we purchased two vehicles from a XXXX dealership in XXXX, KS. The dealership qualified us for two XXXX credit cards for XXXX and I, with credit limits of {$2000.00} and {$1500.00} respectively. The dealership maxed out both cards as down payments. The dealership did not disclose the specificity of the credit cards, thus we understood the cards to function as revolving credit cards. The dealership and Comenity failed to provide full disclosure of these being promotional credit cards, with specific dates for full payment of balance, not monthly payments, as we understood. Payments were made on the due dates per the contract. Each payment made reflected an increase in credit available. 

For example, using my card transactions, due on the XX/XX/XXXX of every month. From XX/XX/XXXX to XX/XX/XXXX, available credit had accrued to {$310.00}. However, the XX/XX/XXXX balance was reduced to {$160.00} on XX/XX/XXXX there was a PROMO FINANCE CHARGE ADJ of {$210.00}. 

The XX/XX/XXXX statement reflects another avail credit accrual. However, payments made on the XX/XX/XXXX were not posted to the account until a day of two after the due date, causing late fees of {$38.00} to be charged to the account. On both credit cards, payments made on time on the due dates were processed at later dates and accounts were charged with finance charges, late fees plus interest charges. 

The XX/XX/XXXX, the credit limit was {$1500.00}. Avail credit was {$220.00}. 

In XX/XX/XXXX, credit limit was reduced to {$1200.00}, and available credit was {$10.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$210.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$72.00}. However, as of statement closing date of XX/XX/XXXX, the avail credit balance had dropped to {$5.00}. Neither the statement nor transactions provide an explanation for credit limit reduction and the {$66.00} difference in avail credit. 

As of statement closing date XX/XX/XXXX, avail credit balance was {$97.00}. However, the following month, at statement closing date XX/XX/XXXX, the credit limit was further reduced to {$1200.00}, and avail credit was {$0.00}. 

Several issues in question include but are not limited to : 1. Payments made on due dates were processed at later dates and accounts charged finance charges, late fees plus interest charges.

2. Comenity failed to provide full disclosure in its credit approval process, regarding promotional credit cards.

3. Comenity failed to provide full disclosure on hidden fees and reductions of credit limits and available credit.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (MO)

I have tried several times over the last four to six weeks to link my PNC account to XXXX   through the XXXX service. XXXX  claims that PNC has made changes to their service and thus can no longer be linked to. This has happened with both XXXX and XXXX XXXX both use the XXXX  service to link bank accounts XXXX. I have spoken with PNC and they have sent me to XXXX, claiming it was an issue with their system.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (FL)

Citi ( Citi/AAdvantage credit card ) is advertising a {$120.00} XXXX XXXX flight discount if you spend the required {$20000.00}. I spent the required money but the Citi refuses to provide me with the flight discount. They have all my spending records - and I do to - so I will not restate here. 

I spoke to Citi ( XXXX ) on XX/XX/XXXX at XXXX : XXXX XXXX for 25 minutes who reviewed my spending and agreed with me but said she had to submit for approval. ( Her notes of the phone call detailed my spending as well. ) On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX stating I did NOT qualify - no explanation provided. 

On XX/XX/XXXX at XXXX XXXX I called and spoke to XXXX at Citi who also reviewed my records. She indicated that I easily spend over the requirement - she then put me on hold and said she would have to get with her manager. XXXX came back to tell me I would have to write the company - and provided me with a fax number to state my case I am getting the run around from Citi. I have my documents - I have spent the required money yet Citi will not provide the benefit. What do I have to do? This is why I am turning to you and to prevent others from being taken advantage of by Citi.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP (TX)

On or about XX/XX/XXXX, I tried to open an account with XXXX XXXX in Texas. I was told by the officer that I could not open an account because I owed money to US Bank. The officer told me the exact amount owed to US Bank ( {$74.00} ). I called US Bank and was directed to the recovery department. That department told me about charges in a closed account. I told them that I was not aware of these charges. I asked them to send me a copy of the statement that contained these charges. After I received a copy of the statement, the statement showed that the account had been closed on XX/XX/XXXX and the balance was XXXX. And, the statement showed that there was a debit card transaction on XX/XX/XXXX to which I knew the merchant did not first obtain an authorization from US Bank. If the merchant had first obtained an authorization from US Bank, it would have been denied. The statement showed on overdraft fee and also showed a fee on the account which was NOT listed as a fee on the schedule of fees at the time I opened the account. When I opened the account, I was provided with " Your Deposit Account Agreement '' and with " Consumer Pricing Information ''. I consulted these two booklets and I believe that I have a strong legal case against US Bank. I called the recovery department of US Bank and thanked them for sending me a copy of the statement showing the charges. I was then asked if I was ready to pay for the charges that were due. I said no and stated that I had reviewed the terms of the Deposit Account Agreement and Pricing Information that had been provided me at the time of opening the account and I do not believe the charged are valid. The person in the recovery department said that it was not the correct department to dispute these charges. They directed me to contact the person who opened the account. I still had the business card of the person ( XXXX XXXX ) who opened the account and I called that person on XX/XX/XXXX. That person said that the branch manager was not there that day and that I would have to call the branch manager on XX/XX/XXXX. I called the branch manager ( XXXX XXXX ) on XX/XX/XXXX and she stated that the account was closed and 60 days had expired since the account was closed and therefore I had no right to dispute the charges. I explained to her that I had previously called the recovery department of US Bank and they were asking me to pay the charges. I told her that I believed that I had a legal right under federal law to dispute the charges and that the recovery department of US Bank had directed me to her to discuss the charges. She again restated her claim that I had NO legal right to dispute the charges.
Consumer complaint received 2024-11-21
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. (NM)

XXXX XXXX has persistently refused to provide an accounting of this item, the correct balance, and insurance billing statements that show payments. It is clear they have little or no information and can not reconcile the correct amount owed, if anything. 

This is a XXXX debt. Repeated efforts through XXXX, XXXX and TransUnion to verify and update this account on my credit file have gone nowhere and they close the dispute without properly investigating it. I know this because each time, XXXX sends me a letter asking for any information I have about the account. This would have to come from the original creditor, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting to the credit bureaus it is incumbent upon them to have all the facts. They do not, and they continue reporting unverified/unsubstantiated information about me and are simply running out the clock in an attempt to force a recovery of some amount on an old and poorly documented record.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.