davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and fail to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2021-12-12
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: ALLY FINANCIAL INC. (MI)

I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.

Ally Auto reported to the credit bureaus late/non payment, which is a violation of the U.S. code XXXX 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the XXXX CREDIT REPORT. Im commanding it to be removed asap. 
Ally Auto applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.
Consumer complaint received 2021-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

Dear Sir/Madam, Sub : TD denied my {$500.00} bonus and gave evolving reasons. 

I opened checking and savings accounts with TD bank USA in XX/XX/2021 and met all the terms and conditions for {$500.00} bonus but TD bank didn't credit me the bonus. They gave me a variety of changing reasons to deny bonus. All along in past months, I kept requesting to confirm my bonus eligibility but never got a straight answer. I filed complaint but the management didn't make any attempt to help. They kept telling different and changing reasons and apologized for poor customer service and also acknowledged that they need to groom their team but their apology didn't do any good to me. All the conversation with them is documented in secure messaging and mails. Disappointed, I ultimately put my account closing request to them yesterday. But I thought that this has to be reported so that no other customers have to go through this. 
If you could help with this, it would be great. 

Thanks in advance & warm regards.
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

On the morning of XX/XX/XXXX, I was scammed via XXXX XXXX. I was selling a loveseat online for XXXX. XXXX XXXX reached out to me saying that he wanted it and asked if Zelle would be okay. He sent me the XXXX and sent me the screenshot. I then got an email saying that the payment was pending but the buyer had to send me an additional XXXX for my account to be upgraded to a business account. He said he would send it if I would promise to send it back, I agreed. Once he sent me the XXXX I sent it back, but never got any of my money.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/2020 XXXX
Consumer complaint received 2023-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2021-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation (VA)

Nationwide Credit Corp is trying to collect a {$2.00} debt for Washington XXXX XXXX XXXX which opened on my credit report XX/XX/2021. 

I do not owe this creditor any money. This need to be removed from all XXXX credit bureau files immediately. I DO NOT OWE THIS DEBT
Consumer complaint received 2021-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

There is a small amount at issue here, but the company is using deceptive sales practices that need to be addressed. Synchrony Car Care has an arrangement with the mechanic that I use to provide 0 % financing for 12 months on expenses large enough to qualify -- I believe {$500.00}. Any amount below that does not qualify for 0 % interest. 

When I make purchases below the threshold amount, a statement shows a consolidated balance of the promotional 0 % plus the smaller purchase. Synchrony than applies payments in such a way that a portion goes to the non 0 % charge and a portion goes to the promotional charge. This results in a minimum interest fee of at least {$2.00}. It has been repeated practice, and I've brought it to their attention several times. In the past, they have fixed the allocation and reversed the fee. Today, it was not until I threatened to make this complaint that Synchrony was willing to reverse this charge. 

Although this has cost me no money, if this is standard practice, they are regularly subjecting their customer to fees that are improper, and I hope that the CFPB can take steps to reverse these fees and stop this practice for all customers.
Consumer complaint received 2021-09-11
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: MARINER FINANCE, LLC (LA)

Mariner finance is reporting four charge offs for me. They show sll of them as joint account. I only am responsible for one loan in the amount of XXXX and a few dollars and they have my husbands bad loans reported as I signed. The loan charged off in my name is being reported as Im not paying monthly and it is hurting my credit. My loan was charged off as I was a co-signer with my husband. They will not remove the other reported charge offs that are not mine. I never restructured my charge off to pay monthly snd its being reported thst I keep missing payments currently. Please check documents for my signature. I havent signed for all of them. Theyre not mine and its killing my credit. Ive called them and they know I bl ever signed those loans but will not remove and continue to report me not paying my charge off monthly. Please review the documents on these loans and see Im not responsible for them and remove the three negative charge offs from my credit.
Consumer complaint received 2021-09-21
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: OneMain Finance Corporation (TX)

One Main Financial improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with One Main Financial which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my XXXX and XXXX accounts.

One Main requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
Consumer complaint received 2021-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/21, I sent letters regarding inaccurate and unknown accounts and information reporting to my credit reports. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, the reporting agencies are suppose to provide actual proof the information was verified. This did not happen. All 3 reporting agencies ( TransUnion, XXXX XXXX XXXX ) responded with computer-generated response confirmations. So again on XX/XX/21 & XX/XX/21 I sent letters credit agencies to investigation letters demanding to comply with my request. I have sent letters to the companies furnishing this information to my credit report on XX/XX/21 and have not received any information in return, no response at all. I presume that no proof of alleged debt nor therefore such any debt in fact exists. I demand that these accounts be deleted immediately or I will file for litigation due to the stress they are causing. My information was impacted by the XXXX data breach and I am a victim of Identity theft. The reporting agencies are aware of this yet they refused to do a proper investigation. This whole thing has taken much longer than XXXX. This is day 51.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

I just signed up for the American Express XXXX XXXX card a few months ago. At first it was great, and I used it for everything. 

I Spent the last XXXX years fixing my credit after medical and other hardships forced me into a tough spot. But I did it! Got my score up to a XXXX! I had plans to purchase a house and finally get my life back on track. 

So, I received my card around the beginning of XXXX, I think the XXXX, and planned a trip and booked my flight. I spent over a {$1000.00} but made a {$1000.00} payment right away. I ended up purchasing other items and whatnot for the trip along with daily necessities. I had over {$1000.00} on the card again. Around XX/XX/XXXX ( XXXX weeks before my first bill was due, and days before I received it in the mail ) I made another {$950.00} payment leaving about {$100.00} left unpaid on the card. I wanted my card balance low in case I wanted to use it while on Vacation. 

I come to find out a day or XXXX later, around XXXX, that my XXXX XXXX took a XXXX hit because American Express XXXX XXXX need to report my high XXXX on XX/XX/XXXX to the credit bureau XXXX XXXX before my bill was even due, and not even a month after I opened the account. I didn't miss a payment and actually made a {$1000.00} payment before they felt the need to report my balance. 

Now my XXXX XXXX is ruined, at least for the purpose of purchasing a house at a low mortgage rate. 

I called and asked them if this was common practice for them. Reporting a customer to the bureaus for high credit limit before you give the customers a chance to even get their first bill in the mail, yet alone giving them a chance to pay before the due date, and after they already made payments in good faith, weeks before the bill was even due. They basically said yes. 
They acknowledged my current low balance and said they would report it immediately to the bureaus. But that was all they could do. 

So now I will never use this card again. But that doesn't change the fact that now I can't get a mortgage at anywhere near the rates I previously could. This is a horrible business practice and ruins people 's lives.
Consumer complaint received 2021-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710XXXX transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX 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 XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I am not satisfied that you've properly pleased the policies of the Fair Credit Reporting Act in completing your study. My studies have revealed to me that according to Section 1681 ( g ) I suggest you give me an outline with the method employed to guarantee that this account is in collections and give me the name and addresses of persons contacted in each regulation perfectly located at the FCRA.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on XX/XX/HSN; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

To whom it may concern, My lender is Lakeview by XXXX. 

Their whole system went down due to being hacked and I had to find this out via a XXXX  forum. They did not send any communication to their clients and still have not told anyone our information was compromised. They did this before, where they waited 6 months to disclose that our information was compromised, essentially giving no chance to protect our credit with a freeze. 

They sent an email at XXXX last night that their website was back up. It hardly works. I will be 30 days late on my payment tomorrow and I can't make my payment through the website. They already tanked my credit earlier this year by falsely reporting me delinquent for 5 months straight. They sent me a letter saying they'd reverse those ( after I sent them a letter ) but it takes 60-90 days for the credit reporting agencies to report it accurately, and I am trying to get a HELOC, which they won't even work with me on even though this was their fault. 

To top it all off, their call center is still down, so I can't even talk to somebody about the issue. 

This lender needs to be held responsible for their irresponsible tactics and dangerous lack of communication with their clients. 

For the record, they also took 2 years to resolve my forbearance after numerous attempts and fails at a loan modification on their end whether it was incorrect documentation, underwriting taking months long, " mail issues, '' etc. I eventually got a grant from the state to pay it off, and there was over {$3000.00} of funds applied to " fees and charges '' I incurred over the course of my forbearance, and I still have no idea what these " fees and charges '' are for. My loan was current the entire time, so what fees could I have incurred? 

Also, when I call the call center, and it asks me for my social and I enter it, it says my social is invalid, which is EXTREMELY concerning. 

I want to refinance and switch lenders but I literally can't get away from this lender, and I am seriously concerned about their ability to protect my information, handle my funds properly, and communicate with me when something happens. 

Thank you
Consumer complaint received 2021-12-02
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : 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 XX/XX/XXXX, XXXX XX/XX/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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.