davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-06
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. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-03
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: Penn Credit Corporation (OH)

On XXXX XXXX2020 PENN CREDIT CORPORATION added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, PENN CREDIT CORPORATIONhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2023-03-06
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: SYNCHRONY FINANCIAL (FL)

The ending of XXXX XXXX XXXX has notified me that credit accounts were being opened under my information and affecting my credit score. 
Starting since, XXXX XXXX XXXX  XXXX XXXX XXXX Synchrony Financial 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 2020-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ARVEST BANK GROUP, INC. (NY)

XXXX XXXX loan # XXXX Company Arvest Bank XXXX XXXX XXXX XXXX AR XXXX On XX/XX/2020 due the COV-19 pandemic, I was unable to maintain my financial obligation due my lost of wages I did request a grace period for payments as the federal government suggested. 
was granted 3 month, at the time my the balance on the principal was XXXX and my monthly XXXX payments, the breakdown was {$460.00} dollars for the principal and {$230.00}, wich bring my monthly payment to $ {$700.00}, wich I have no problem with.However after the grace period was expired the sended me the XXXX bill for {$700.00} intrest only, nothing applied to the principal and also I was told by one of the manager that XXXX bill They only will aplied around {$140.00} dollars to the principal, wich means they will penalize me with another {$500.00} interest. 
I think this is an unfair banking practice And they punishing me because the government order me to stay home.
Consumer complaint received 2023-03-06
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. (CA)

Dear : XXXX, Equifax XXXX XXXX This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement. 
Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 

1. XXXX XXXX XXXX : # XXXX 2. XXXX XXXX XXXX  : # XXXX 3. XXXX XXXX : # XXXX 4. XXXX XXXX  XXXX 5. INQUIRY : XXXX XXXX XX/XX/2021 Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-07
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: Nelnet, Inc. (SC)

I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. Nelent issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (DE)

I have been a customer of XXXX XXXX XXXX for 9 years, not once did I miss a payment due to being enrolled in auto pay with XXXX military credit card. I canceled services in the beginning of the year due to many reasons. 
1 ) XXXX  continuously upping rates ( went from {$25.00} military gurantee rate to {$58.00} ) 2 ) we had pre paid cameras installation with a ring door bell threw XXXX which was never installed due to the tech and service mgr claimed due to our front foundation there was not enough room for the ring which required a min of 4 '' 3 ) there is currently a worldwide emergency know as covid 19 with millions unemployed and out of work ( which leaves someone home 24/7 not needing to waste {$58.00} for services no longer needed We have requested a copy of the alleged XXXX contract they're trying to charge us {$860.00} for after being a loyal customer for 9 years not to mention the numerous harrasing phone calls.
Consumer complaint received 2024-11-06
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. (OK)

I am seeking your help with the account that is incorrectly listed on my credit report. This is damaging my reputation as a customer, and I need your assistance. I would like these accounts removed, as they have been reported inaccurately and in a harmful manner.
Consumer complaint received 2023-03-07
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: FORD MOTOR CREDIT CO. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-07
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. (NC)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any remaining records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-04
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. (SC)

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to XXXX. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
Consumer complaint received 2023-03-06
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: LEXISNEXIS (PA)

Lexis Nexis Risk Solutions sold my consumer data without consent. They also sold information regarding the bankruptcy case that was listed by them on the consumer report that was not verified or provided to them by XXXX Court or myself. I filed a dispute ( Compliant # XXXX ) on XX/XX/2023 I attached this letter to the complaint for Lexis Nexis to review.

At this point, I am confused as to why Lexis Nexis would ask me to validate information sold by them to all of the credit bureaus. Please shed some light on this request.

This Credit Reporting Bureau ( Lexis Nexis ) is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

I will only correspond with Lexis Nexis in writing. I am reattaching the bankruptcy letter from the XXXX Court for Lexis Nexis to review and respond. As I have not received any form of communication from Lexis Nexis, I assume they are in agreement that the information they supplied is invalid.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

USBank XXXX XXXX  XXXX account for my business issued checks from bank and info on these transactions is being sent via email to a former business partner without my consent. They wont correct the email on their end. I have asked for a formal investigation with no response. They want me to cancel bill pay and redo but I want them to fix this on their end. When former business partner left 4 yrs ago we closed business account and each opened up our own separate accounts on different days with our own personal information provided. This former business partner thought her account was hacked when she received info on checks she did not issue. She recognized a vendor of mine last month and sent me a text of an email she received. The bank claims to not know how this happened and says they cant fix it in their end. I want a formal investigation and reassurance that this has been corrected and what they are doing to prevent it from happening again
Consumer complaint received 2019-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

My company XXXX XXXX sells XXXX   parts on XXXX. We are paid through Paypal. We transfer our money to our bank account through a ACH transfer. On XX/XX/XXXX I transferred XXXX to my bank account but it never arrived. I contacted Paypal and they did a trace on the transfer. I got back a ach transfer trace number which according to my bank and several other banks the number is not a ach transfer trace number. A ACH transfer trace number is a nine to twelve numeric digit code. The number I received is 20 digit alpha numeric code. I contacted paypal and told them this was not a correct code for my bank. The supervisor contacted the ach department and was told the my bank would not recognize the code since it was created by there clearing house XXXX XXXX XXXX. I need the correct trace number but have been told by Paypal that they can not help me any further.
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

I have had the Citi Bank XXXX XXXX for over 10 years. I received an email in XXXX that the card was being converted to an XXXX XXXX as Citibank lost the contract with XXXX. I already have the XXXX XXXX XXXX and did not need two. I called customer service on XXXX asking if I can convert it to another CitiCard which I was assured I could. I was told even though I knew what card I wanted I had to review the website to make sure I knew what card I wanted and then could call back to covert it. I called back the next day and was advised by a CSR and manager that the card can not be converted due to the fact it is a XXXX card. 

I expressed frustration that I would loose 10 years of card history on my credit report impacting my score if this happened and they showed no concern or provided information on this. I asked why two reps the previous day ( one for general cards and one with the XXXX  division who I had a question about that card benefits in which only a XXXX rep can answer with Citi ). 

Citi shows no concern for customers when they provide inaccurate financial information that now will result in a monetary loss to me due to a credit score change. Citi simply does not care about the communities they serve or providing accurate financial information.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TOLL BROTHERS INC (CA)

Hello, we have purchased a new construction home to by built by Toll Brothers in Washington State. We were told that we needed loan approval from Toll Brothers Mortgage ( TBM ) in order to complete the purchase. We applied and were approved for a loan, and TBM offered us a float down rate lock. Before entering the agreement, we specifically asked our loan officer via phone if there was a lock-in cost. Not only did he answer that there wasn't, but he framed the agreement as a no-lose situation. This is how we were under the notion that we still had the freedom to pursue other lending options without incurring costs. However, now that we have found better options, Toll Brothers is claiming we owe them {$10000.00} ( a rate far above market average ) which will be added to our closing costs. 

In hindsight, despite our preferences to communicate with TBM via email, we suspect they insisted on only ever answering our questions over the phone by calling us at random times was to mislead or withhold information from us without a paper trail. 

The lock-in agreement further states that the contract is null and void should this {$10000.00} not been paid immediately on execution of the agreement. No one contacted us about paying this {$10000.00} even though the agreement states that this would be due immediately on entering the agreement. 

When we expressed our intent to work with other lenders, TBM notified us about this {$10000.00} hidden cost. We tried to dispute this cost, to which TBM informed us that behind the scenes, Toll Brothers silently fronted TBM the lock-in fee on our behalf, so therefore we now owe Toll Brothers {$10000.00} on closing. 

To summarize, we were misled in our discussions with our loan officer about rate-lock costs and we have neither seen nor signed any documents giving Toll Brothers consent to pay hidden costs to TBM on our behalf. We believe the misleading practices they have engaged in are wrong and fraudulent.
Consumer complaint received 2024-11-06
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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. (AZ)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
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. (MI)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo close my account because I deposited a large check from insurance company. The bank manager actually charged took charge and deposited the check in the ATM outside to show me how it worked because I was a little concerned about at large amount. They said {$100.00} available immediately and rest in 7 to 10 days. Shortly I received a notice account was closed and I had to wait a couple of weeks to get a refund on the check. Actually I had to go to the insurance company that was handling mothers affairs and have a brand new check written to me