davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (TX)

My power of attorney/Agent sent in an EFT payment to pay off the loan it also included a Power of Attorney. We certified mailed it on XX/XX/24 it was received by TD Auto finance on XX/XX/24. The EFT was accepted and the loan was paid, balance was {$0.00} and the account showed CLOSED on my online account. Then it was all reversed, no explanation, no letter, nothing? My Agent and I called TD they said they did not know why it was reversed. My Agent pushed the issue that they needed to send back the EFT if they would not honor it, and if they did not accept it then refusal was discharge. We were told we would not get the EFT back, but per our contract that would also discharge the loan. They said my Agent needed to call his bank, I responded that we gave clear instructions how to collect and if they did it correctly then Agents Bank had nothing to do with it and a few days later Agent got a copy of bank transactions and it clearly showed they claimed the EFT, possibly twice. TD tried to say they did not close account or zero the balance they could not see what my online account had shown for several days.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My XXXX XXXX XXXX card went into debt due to natural disasters like Covid 19 i lost my job, house, car, money and everything and experienced homeless. I was now able to pay my XXXX store credit card off in a settlement in XXXX and they promise me to delete it off my credit report in 30 days. So far they havent and it shows negative on my report and we are almost in middle of XXXX. They dont have a direct number for this problem. And XXXX doesnt do business with the debt XXXX no more so they cant even help me even though they sold my debt and stopped working with all debt collecters. I got approved for a new XXXX card account and would like the old account removed because its paid in full
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OR)

My XXXX interest is essentially the same amount as my XXXX interest even though my balance is almost 200 dollars lower ... Customer service was abusive on XX/XX/XXXX, and demanded I send them a video of myself to update their information about me. I filed a complaint with the XXXX  about that, and requested my account closed. I am still being given the 3rd degree, having to comply with giving birth date, mother 's maiden name, etc., just to talk to them, and getting put on hold indefinitely and hung up on even though I am not being rude to them. Customer service has behaved this way in the past when I have tried to question why my interest rate is so high even though my payment history is perfect. My intention is to pay them, but it is unacceptable that my interest amount does not lower as my balance lowers ...
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

UN-AUTHORIZED ACCOUNTS/TRADELINES 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
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. (NY)

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 15 USC 1681. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number 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 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
Consumer complaint received 2024-09-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Columbia Debt Recovery LLC DBA Genesis XXXX XXXX XXXX XXXX, WA. XXXX Subject : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear Renew One : I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number , to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : XXXX. The right to be informed if information in my credit report has been used against me. 
XXXX. The right to know what is in my file. 
XXXX. The right to dispute incomplete or inaccurate information. 
In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : XXXX. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties. 
XXXX. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information. 
XXXX. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties. 
XXXX. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number. 
XXXX. Remove account # XXXX from all Credit Bureaus Data Base immediately. 
XXXX. Remove address associated with account Number # XXXX Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights.

Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

They have XXXX XXXX, social security and another employer who are putting me on a credit report for what have not worked for them over 20 years its not right or fare. Can you please take off any bad thing on my credit report cause its been many many years ago, don't know why employer 's could do such thing. Thanks trying to clean my credit up
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NY)

Good evening, From XXXX of XXXX to XXXX of XXXX I have found 23 separate incidents of fraudulent charges totaling over {$24000.00} on my Chase personal checking account. These charges were made by a debit card that I was assured ( by Chase ) was cancelled or directly withdrawn from my checking account. Each one of these charges are from hotels all over the country that I have never stayed in, nor has a member of my family stayed in, nor have I authorized someone to stay in using my card. Each time this has happened I have reported the fraud to Chase and they have reversed the charges leaving me net neutral as of year end XXXX. 

Note that I never received a single alert, push notification, or phone call to alert me to any of these transactions prior to their approval even though they were highly irregular in my account as I rarely used my debit card for purchases. 

Recently, I found a new charge for {$2200.00} on XX/XX/XXXX with the details listed as " XX/XX/XXXX XXXX XXXX XXXX '' that was fraudulent. When I reported this to Chase 's fraud department on XX/XX/XXXX they stated that this was a direct debit to my account related to prior fraudulent charges I reported from the XXXX XXXX XXXX. This dollar amount does not match any prior charges or any logical combination of prior charges from any XXXX XXXX XXXX locations. I then visited a Chase branch in person with my husband on Saturday XX/XX/XXXX where the regional manager went above and beyond to try and help me resolve the issue. She suggested that I reach out to XXXX ( the owner of XXXX XXXX XXXX ). After spending 4 hours and three separate phone calls with the XXXX Fraud department, they stated that since I didn't have reservation numbers and didn't know the locations of the hotels that had billed my checking account that they could not take further action. 

I have spent countless hours of my time trying to remedy this situation to no avail and would love for any assistance the CFPB might be able to provide. 

Thank you!
Consumer complaint received 2024-01-29
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: Bread Financial Holdings, Inc. (OH)

Comenity Bank victoria 's XXXX has falsely reported XXXX late payments on my account to the credit bureau, when in all honesty i never used their credit card. i never had a payment to make but they called me and took payments. Upon asking they said they refunded my money back which is false. when i questioned more they said they adjusted the money in my credit balance.which i don't owe a single XXXX as there is XXXX XXXX credit usage on that account. upon asking they agreed that it's their mistake that they posted XXXX wrong payments and that i should send a dispute to Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and settle it. Which i did on the XXXX of XX/XX/year> only for the XXXX credit bureau to tell me that they investigated and contacted comenity bank and made changes to the account ( which is to remove those late payments from my credit report ) as they affect my credit worthiness and credit score. But, i don't see a single change. It is still the same. I contacted them regarding this and they said i should ask comenity bank to send them a report requesting that they are at fault and these late payments should be removed from account, but why me? i asked for an investigation and should transunion not do that? i agree and go back to comenity bank asking to provide my report and admit to their faults and change my report with transunion and they respond with i should be writing to the same XXXX XXXX XXXX requesting this? how many time do i keep doing this? if i am to keep a track of all communication and investiagtions, then what is whole point of my dispute? why can't people do their job? why is comenity bank not providing me or transunion the information? how many more months do i keep going back and forth asking for a resolution? how long do i keep waiting without buying a cr or a house or even rent an apartment? because this credit report hinders my ability to do any of this.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from 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 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 THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

To Whom It XXXX Concern, On XX/XX/year>, an order was placed with XXXX company ( XXXX ) for the amount of XXXX XXXX 

On XX/XX/year>, I initiated an email communication with XXXX to cancel the order. Despite this attempt, the order was not canceled, and a link to initiate a return was provided. 

A prepaid shipping label was received on XX/XX/year>, and the package was promptly shipped via XXXX. XXXX confirmed the shipment on XX/XX/year> via email, and assured a refund within XXXX XXXX XXXX, setting an expected deadline of approximately XX/XX/year>. 

However, as of the current date, no refund has been issued by the XXXX company. In an attempt to address this issue, a billing dispute was raised with Capital One, the financial institution used for the purchase. Unfortunately, Capital One did not act in good faith to resolve the dispute on behalf of the customer. 

Customer followed all return policies as described by XXXX XXXX, provided documentation to CapitalOne showing the merchandise was returned to the XXXX company, however, they closed the billing dispute and allowed the charge to remain on the credit account.
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. (MS)

Transunion is currently reporting an inaccurate account XXXX XXXX account XXXX XXXXXXXX with a charged off status on my credit report with a balance {$0.00} and high balance of {$560.00}, and {$330.00}. 
****In accordance with the provisions of 15USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Consumer complaint received 2019-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (SC)

Harrassment, slander, unfair deceptive practices ALL of the following is documented by me with Ditech names, dates, and conversations. I have done nothing wrong and have worked intensley, on my own, resolving Ditechs own deception. It began in XX/XX/XXXX with my deferral request approval but with most recent deception in XX/XX/XXXX outlined here today. Regarding the latest deceptive practices by Ditech. I myself phoned them in XX/XX/XXXX when I noticed that my XX/XX/XXXX check payment of XXXX which was sent out on XX/XX/XXXX had not cleared my checking account. Ditech claimed during phone convo that they " did not have my XX/XX/XXXX payment ''. I advised them that the check was mailed out on the XX/XX/XXXX. They somehow managed to locate my mailed check one day before my 15 day grace period was up. I was then advised by Ditech that they did not have XX/XX/XXXX payment! in amt of XXXX. Though it had cleared my checking account, their accounting did not acknowledge nor document my XX/XX/XXXX payment. So.. I took it upon myself to print a copy of the XX/XX/XXXX payment cancelled check # XXXX dtd XX/XX/XXXX in amount of XXXX and send it to them. They recieved my proof via email and verbally acknowledged receipt of the XXXX payment. However, they have yet to document this payment and it is now XX/XX/XXXX! Throughout their deception and confusion they suddenly changed their tune and phoned me twice, XX/XX/XXXX & XX/XX/XXXX, to tell me the same thing each time. That " they haven't found the check and are working on retrieving it from their insurance dept where it was mistakenly sent by them and my account will then reflect payment '' as it still is not showing posted to my account! That was over a week ago and still nothing is fixed by Ditech and it is now out of my hands, completely. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MO)

This is a formal complaint against Americollect and XXXX  that continues to report 2 different invalid and unverifiable accounts on my credit report. I have attached a recent copy of my credit report to this complaint. 

I mailed a certified written letter to XXXX  on XX/XX/XXXX and Americollect on XX/XX/XXXX requesting my right to dispute the validity of this debt, both have to date ignore my request. I haven't received any communication from Americollect that validates this debt and XXXX  continues to verify the account stating that Americollect has certified that the debt is valid. 

If this debt is valid, why haven't I received the proper documentation that proves I owe the amount reporting on my credit report. 

Furthermore, I contact XXXX  on XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in an effort to have this unverifiable account remove, due to the FCRA stating that if this account can not be verified it must be removed. ( See attached certified receipts ) I understand that our economy is under a national pandemic and staff may be low, but after 5 months, I have no other choice to file a complaint against their negligence and unwillingness to properly investigate.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I refinanced my my mortgage. My previous servicer was Loan Depot. The refinance closed on XX/XX/2020. It is now XX/XX/2020 and Loan Depot still has not returned the balance of my escrow account. 

I called and Loan Depot claims to have mailed a check XX/XX/2020. It simply does not take the post office more than twelve days to deliver a letter. 

I called again today ( 30 minutes on hold ) and the Loan Depot representative said at this point the only resolution is to put a stop payment on the alleged XX/XX/2020 check, a process that will take Loan Depot another 10 business days to complete, at which point they would issue a new check. I asked for the process to be expedited and the new check to be sent through a means where I could have a tracking number. The employee told me that he would need to speak to a manager for that to happen. He told me I would be on a brief hold while he got his manager, then he hung up on me. 

Loan Depot has had my escrow funds for over a calendar month now. Under CFR 1024.34 ( b ) ( 1 ) Loan Depot should have returned my funds to me by XX/XX/2020. I am now on hold again, just trying to get my money back.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc (TX)

I called Alpine Credit regarding this debt which was placed on my credit report. The hospital that sold the account to them never gave the attorney dealing with this lawsuit case time to pay the medical bill, nor did they notify me that it was going to collection and placed on my credit report in 4 different accounts causing damage to my credit report. I called alpine credit to get the matter resolved and the representative told me it can stay on my credit report and hung up in my face. They are trying to also charge me more than the original medical bill amount. I want this item removed from my credit report.