davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: CCS Financial Services, Inc. (MD)

I received a letter from CCS CREDIT COLLECTIONS in XXXX of XXXX, stating that there was an amount owed to XXXX XXXX XXXX XXXX. When we canceled our car insurance with XXXX XXXX In XX/XX/XXXX we were unaware of any unpaid balance. We did not receive any letters for a bill for an unpaid balance from XXXX XXXX, Nor did we receive collection attempts from XXXX XXXX. When I received the letter from CCS credit collections I called their toll-free number, And explain to them that we were unaware of any unpaid balance due to XXXX XXXX and that I would have to contact them to get the details. Once I contacted XXXX XXXX I was explained that we were built in arrears, And that when we canceled the car insurance policy there was still a balance to be paid. I then called CCS Credit Collections and settled the unpaid balance immediately, with the agreement and understanding that CCS Credit Collections would not report any delinquent or due balance to any of the credit reporting agencies. 

In XXXX of XXXX, I noticed that CCS credit collections had reported to XXXX, XXXX, and XXXX, a collections account that had a {$0.00} balance I used XXXX, XXXX, and XXXXXXXX XXXX Dispute process, To dispute the account information. XXXX has since removed the account from the credit report. 
However it still remains on the XXXX and XXXX credit report.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon looking at my credit report, I noticed unauthorized inquiries reporting. It looks like some applied in my name. I have written multiple letters to TransUnion as well as called multiple times to correct this mistake. As of today, nothing has been done. The inquiries are still reporting. According to the FCRA, legally these unverified & unauthorized items MUST be removed! 

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 XXXXXX/XX/XXXX I have already submitted a police report via mail. As well as already contacted the original creditors.
Consumer complaint received 2024-09-05
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

These XXXX accounts have a charge-off status and a past due balance on my credit reports, these charge-off accounts should have a {$0.00} balance.Please update and/or delete these accounts immediately. Thank-You 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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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

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
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that theXX/XX/XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CTXX/XX/XXXXXX/XX/XXXXListed below are the Collections that are being challengeXX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (IL)

in accordance with the Fair Credit Reporting act 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 has violated my rights.

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
Consumer complaint received 2022-06-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-10
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: BARCLAYS BANK DELAWARE (MD)

I strongly dispute the validity of this account reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information as from my credit report to reflect the true status of the account.
Consumer complaint received 2021-11-01
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. (PA)

Over the last few months I have disputed this account with the credit bureaus. Each time the credit bureaus come back and tell me this debt has been verified. This company is inaccurately reporting to the credit bureaus each month. This company is negligently and willfully violated the Fair Credit Reporting Act. XXXX negligently and willfully failed to ( 1 ) conduct a proper investigation of my dispute, ( 2 ) review the information provided by the credit reporting agencies, and ( 3 ) direct the credit reporting agencies to report accurate reporting. I am asking this company to provide me a complete history of this account in its entirely and XXXX can not supply that and report accurate information to the credit bureaus they need to remove this from my credit report. Negligence will be brought into a lawsuit against this company for violations of the Federal Credit Reporting Act.
Consumer complaint received 2021-11-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FB FINANCIAL CORPORATION (VA)

This complaint follows Complaint ID : XXXX from XX/XX/XXXX Complaint ID : XXXX from XX/XX/XXXX regarding FirstBank Mortgage. This complaint is regarding the following : Disregarding my multiple requests to reverse approximately {$710.00} in late fees assessed while loan was in forbearance. 
FirstBank Mortgage has shown a complete disregard for my situation from the moment I was granted forbearance on my loan in XX/XX/XXXX. Their customer service representatives are ill equipped to read notes taken on previous calls and/or lack the necessary skills or training to review a customers history and provide solutions. I have had over 30 calls with them. In each call, I have had to repeat the complete story from the beginning. Every representative says the same thing I will make a note in the system, I will email the right group, Im escalating this, I will call you within 48 to 72 hours, and nothing gets resolved. On my call to FirstBank Mortgage on XX/XX/XXXX, where I spoke with their XXXX XXXX XXXX XXXX XXXX # XXXX, she said I will personally call you within 48 to 72 hours regarding the reversal of approximately {$710.00} in late fees that were assessed while on forbearance. As of XX/XX/XXXX they still show late fees of {$710.00} on my account that have not been reversed. Nobody has called me to indicate that these charges have been reversed.
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

Statement of facts I performed a credit transaction with Santander consumer USA XX/XX/2019. I notice that there was a loan application with SANTANDER CONSUMER USA which I do not agree with. I am a consumer/natural person and my rights have been violated. I have reached out to SANTANDER CONSUMER USA stating my rights and federal laws that they have violated. State laws does not trump federal law. 1 ) They have violated TILA 15 USC 1605 Determination of finance charge. The finance charge does not include charges of a type payable in a comparable cash transaction. They required that I pay { {$2000.00} }. They have also violated 15 USC 1611 ( 1 ) Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, There is no limitation on fraud. They also violated 15 USC 1640 ( a ) ( 1 ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under section 1635 of this title, subsection ( f ) or ( g ) of section 1641 of this title, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; SANTANDER CONSUMER USA failed to inform me of my federally protected right to terminate my credit transaction according to 15 USC 1635 Right of rescission with regulations stated under 12 CFR 226.15, 12 1026.23 RIGHT TO RESCISSION. After reaching out to SANTANDER CONSUMER USA they expressed to me the consumer natural person I didnt have the right to terminate my contract by any means in the state of Texas XXXX Implementing my federal rights were no longer protected, yet somehow SANTANDER CONSUMER USA still operated under TILA. According to the law violating these terms results in a fine DOUBLE the finance charge. This complaint will be forwarded to the correct department federally and locally.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I lost my job due to XXXX in XXXX i reached out to my mortgage lender US Bank XXXX Mortgage and they put me on a forbearance plan. I got another job in XX/XX/XXXX and my mortgage forbearance was up in XX/XX/XXXX. I reached out to let U.S. Bank know that i had a job and would like to have my loan reviewed to see if i could get a lower payment and also wanted to drop the forbearance plan and resume payments after the loan was reviewed. The first time i tried to get my loan reviewed was in XXXX XXXX i applied for mortgage assistance online with U.S. Bank who stated that after they reviewed my loan i qualified for a temporary payment plan for 3 months and once they see i am paying my payments they will take me off that. I did decide to go ahead and accept this agreement and i made my first payment XX/XX/XXXX. I called the bank XX/XX/XXXX and they told me that that loan review was cancelled and that i wasnt eligible for that particular plan as there was something wrong with my principal. I was floored i had no idea what that meant and the XXXX Bank XXXX told me that i had to fill out another mortgage application which i did XX/XX/XXXX and submitted to U.S. Bank. I have called 3 times and finally got a rep that " seemed " knowledgeable and told me she would help me get everything straightened out and that she would call me back on Friday XXXX. Her name is XXXX and her employee ID is XXXX. I was happy to have someone helping me that was knowledgeable. I just looked back on the website and yet again my loss mitigation review was canceled. I have NO IDEA WHY. I tried calling U.S. Bank several times on XX/XX/XXXX and could not get XXXX rep to explain what is going on. I am utterly disgusted with this lender and how they do business. They are criminals! All i want to do is get my loan reviewed and tell me all y options so i can make the best decision and start to pay back my loan and XXXX AT THIS HORRIBLE BANK HAS HELPED ME WITH THIS! What are customers supposed to do if the lender is deliberately cancelling reviews and giving me the run around? HELP!!
Consumer complaint received 2021-11-23
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. (TX)

Regarding Trans Union Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Trans Union has on file ; and on XX/XX/2021 I sent XXXX XXXX demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been 30 days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Trans Union is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with Navy Federal Credit Union, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with XXXX XXXX  and Navy Federal Credit Union. The amount of stolen funds is over XXXX.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I paid off the balance in full for Comenity/XXXX XXXX XX/XX/2021 in the amount of {$2500.00}, which was the amount indicated to be paid to fully close out the account according to the payment site. Naturally, the account should close itself after the payment posted as no subsequent charges were made to the account. 
I was billed a residual finance charge a month later on XX/XX/2021 of {$5.00}, which I was unaware of as I knew I had no further obligation to this account. 
Once I realized that XXXXComenity was still sending statements, I called to find out what the charge was for and paid it immediately. This residual finance charge of {$5.00} reported as a 30 day late marker for XX/XX/2021, which is inaccurate as my entire pay history with this account has been on time. I never received any delinquent notice nor a phone call from their collections team to remedy. 
I initially called to review this with ComenityXXXX but XXXX refused to speak to me about the reporting of my account. I then submitted a dispute to the credit bureaus and ComenityXXXX XXXX XXXX negative reporting. But they have now put the inaccurate reporting back. I have again recently disputed and they have not resolved the reporting. 
It is disturbing that I have paid all charges due and interest that they required, they billed me more charges after the fact, and then report derogatory information for a {$5.00} fee that I was not even aware of. This is unfair treatment that I want resolved immediately. This {$5.00} fee has drastically negatively impacted my credit and my life.