davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
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. (CA)

This account with XXXX XXXX {$2200.00} has absolutely NO MERIT and should not be on my credit report due to the nature that its fraudulent. identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 605 ( b ) ( 2 ) these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. This creditor in question has neglected my letters and not responded to my calls / emails. XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, this account is charged off and is not mine, again THIS IS NOT MINE and I have let the FTC & CFPB know this. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is fraudulent and illegal to keep reporting, please cease and desist all reporting activities.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (IL)

In XXXX of XXXX  I signed a contract that should be null and void as the dealership and the lending committed fraud on both federal and state levels in regards to the XXXX XXXX XXXX. I'm an XXXX XXXXesident and my drivers license states this as well and I informed the dealership of this information once I realized this as they put a Missouri address on the loan and I've never been able to register this vehicle. I was told they couldn't add that to the loan which isn't true as an XXXX resident that is included in all vehicle sales and I stated this the numerous times I called trying to get this vehicle registered. They are cheating Illinois out of taxpayer dollars and by using a Missouri address they were avoiding the usury law as well as the cap on loans that Illinois has in place to protect their residents. XXXX XXXX sold me a car that had a value of $ XXXX {$10000.00} at the time of sale for {$20000.00}. XXXX XXXX and Global Lending issued me a loan for 72 months and I will end up paying 4 times what the car is worth and double the loan amount which isn't legal under state or federal law. I paid {$2500.00} as a down payment and instead of subtracting that amount from the cost of the vehicle it was taken off the full loan amount. I shouldn't have to pay the full amount as XXXX XXXX got paid the full amount of a vehicle which is committing fraud along with Global Lending. I was under the impression this vehicle had a XXXX mile warranty and wasn't made aware of this until I called to inquire about some issues with the vehicle. I wasn't fully aware of the fraud that had taken place and was unaware what I had signed as I thought the total of the loan was {$20000.00} as I was never made aware the vehicle had a 100 % markup as well as the loan. XXXX XXXX and Global Lending are aware that different states have different laws and that is why they refused to use my XXXX address but instead my girlfriend address. I was scammed and a vehicle that can't be registered is not a valid sale. Illinois has a Usury law and it has clearly been violated and this contract must be voided as they have cheated and scammed Illinois out of taxes and other fees associated with the sale of a vehicle. Both companies need to be investigated as other residents may have endured the same fate and didn't know they had remedies. I'm one resident but there may be other residents in other states who may not be getting the money they are rightfully owed. How many other residents may be owed money because they may have paid the loan off early and my be owed a refund on the gap, warranty or the down payment because the payoff amount was incorrect?
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been contacting and sending documentation to the 3 credit bureaus for over a year now about my credit report and how things are not correct on all 3 bureaus. They keep giving me the runaround and not fixing the problem which they are supposed to do by law. I am in distress and I am suffering physically because my life is getting worse. I need you to step in and enforce the law. Help me please!!!
Consumer complaint received 2023-01-15
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. (CA)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-15
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. (CA)

These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX  XXXX : XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2022 Experian Inquiry date XX/XX/2022 2022
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Transunion XXXX  XXXX : XXXX XXXX, 2022 Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX Inquiry date XX/XX/2022 2022
Consumer complaint received 2023-01-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/2020 I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/2020 on my credit file and this item is negatively impacting my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2019-10-01
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. (CA)

This account with XXXX XXXX {$2200.00} has absolutely NO MERIT and should not be on my credit report due to the nature that its fraudulent. identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 605 ( b ) ( 2 ) these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. This creditor in question has neglected my letters and not responded to my calls / emails. XXXX XXXX ( XXXX XXXX XXXX ) on my credit report is fraudulent and not mine, this account is charged off and is not mine, again THIS IS NOT MINE and I have let the FTC & CFPB know this. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is fraudulent and illegal to keep reporting, please cease and desist all reporting activities.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (NY)

My debit card was used for XXXX ( XXXX ) unauthorized transactions on XX/XX/2023. The total amount involved was USD XXXX. I have not lost or misplaced the debit card. I got the card blocked immediately as soon as I got first message suspecting that there have been a fraudulent transaction. I simultaneously disputed all the transactions and filed a claim with the bank on the same day. 

I now understand that the bank has completed its investigation and denied my claim. I have also personally visited the bank to make representation of my case. I have been orally explained that the reason for denial of my claim is that the transactions were made through XXXX XXXX, which would ordinarily require a pass code of my phone, finger prints, XXXX ID, etc. However, I have never used XXXX XXXX in my life, and I still do not have XXXX XXXX account on my phone. 

I am awaiting for final letter from the bank in this regard but wanted to file this complaint timely.
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NV)

On XX/XX/19 i sent by certified mail to Loancare LLCs overnight address a letter requesting my single point of contact reach out to me via email as i tried to reach them but Loancare said they were not available for me to speak with. I was unable to find out from customer service of a Notice of Default had been filed. Loancare ignored my request called me due to what they call missing information in my loss mitigation and sent me to foreclosure instead of working with me in good faith to help me keep my home. I would like to know why they ignored my request delivered in good faith asking for assistance due to XXXX to contact me via email instead of calling, ignoring the letter sent and the information provided.
Consumer complaint received 2019-10-01
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. (NY)

I am a victim of identity theft, I have been pulled over by the police because I share the same name with someone else and know one bothers to confirm identity, this is getting ridiculous.
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On Wednesday XX/XX/XXXX I went to a XXXX store to withdraw money from a XXXX ATM. My first transaction was for XXXX dollars. The Atm showed processing on the screen & was buffering for a min or two. Then it showed canceled transaction on the screen & went back to the main menu. I thought it was due to the amount I tried to withdraw so I tried it again for XXXX and got the same message on the screen. I told the guy that worked in there that the Atm wasnt working & apparently he knew because someone else just experienced the same thing before me. I then went down the street to an ATM in XXXX. This ATM was working! I did 3 transactions for XXXX dollars & then tried to do another transaction for XXXX & XXXX both were declined, which shouldve been because I had the available funding in my account. I called Chime & asked why was my transaction Declined & the agent said because of a XXXX dollar transaction at XXXX. I explained I Never received Any money & something was wrong with that ATM. I told the agent I tried to do 2 transactions at XXXX and the amounts. She said she seen the XXXX dollar transaction was returned but not the XXXX dollar one so I did a dispute immediately with her. I called XXXX & spoke with a manager who explained they have nothing to do with the atm & he gave me a number to call that didnt work. I then contacted XXXX customer service to get help & they said my bank chime had to dispute the transaction. I called chime back & told them what XXXX customer service said. No one could give me a number to the merchant that was in charge of the atm. I spoke with a supervisor at chime who said I qualified for a provisional credit. The next day I got a message from chime stating my dispute was denied! I immediately called chime back & spoke to another supervisor. He said I can reopen the case & it could take up to XX/XX/XXXX days for processing & if I qualify for a provisional credit ( which the last supervisor confirmed I did ) but he said something different. I explained I need my money! Chime did not provide me with any documents explaining how they concluded their investigation! How did you complete an investigation? Atm machines have cameras & most stores do to. If you check those cameras you would see I Never received Any money from the XXXX ATM machine ( XXXX ). Today I received another email from Chime stating my dispute was denied again! This is unacceptable! Its been almost 2 weeks & I still havent gotten my XXXX dollars back! No proof or anything! Theres no proof because I Never received any money or receipt. The message was displayed on the screen!
Consumer complaint received 2023-01-15
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. (CA)

Hello. 
I am writing in connection with a late payment reflected on my XXXX Credit Card account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX card dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.
Consumer complaint received 2023-01-15
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. (CA)

Hello. 
I am writing in connection with a late payment reflected on my XXXX Credit Card account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX card dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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.
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NV)

RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TN)

I applied for a XXXX XXXX and a XXXX card through XXXX XXXX they approved me and over the next few days closed my account. Then I go to apply for a XXXX credit card I guess through them and they denied me because of previous stuff with them. How can they approve me and turn around and close my account right away. Then because of that they wont give me a card for a different store. Then because of this since I didnt have credit with them really it is on my report how can I get that removed
Consumer complaint received 2019-10-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

My financial aid office recommended high interest loans for me to complete my education in 2007 ( XXXX degree ). I now have multiple students with 3 companies. I was contacted to consolidate and believe the lenders were preying in my lack of finance repayment and accrued interest knowledge. I now have over $ XXXX in student loan debt alone. Have been paying on loans for years with no end soon in site.