davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
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. (CA)

In XXXX of XXXX. I noticed that on my XXXX XXXX account the loan with XXXX that I Co signed for my son was not showing the last three months of on time payments. XXXX, XXXX and XXXX of XXXX. I then sent a dispute of the balance for XXXX XXXX to dispute. On XX/XX/XXXX. XXXX the dispute results came back from XXXX XXXX.I noticed that the account was deleted off my credit report. I did not request for the account to be deleted, I requested for the balance within the account to be simply updated. I then contacted transunion to correct the issue. They informed me that I had to contact the creditor. I did so and the creditor said that the company they use to report these type of things are always behind and that they will get it resolved, that was on XX/XX/XXXX. Today XX/XX/XXXX. I have heard nothing from them the finance companys manager XXXX. So I call just to check the status and was informed by the representative that her manager was the one I had to speak to. The rep said she would leave a note on the managers desk to call me. The rep also informs me that the manager did not know how to correct his problem even after on XX/XX/XXXX I spoke with the manager directly.I was in contact with her ( the manager ) and emailed her all my proof showing what I disputed from the beginning and why the account should not have been deleted but simply updated with a current balance. How can you have a open account thats paid on time and all of a sudden when you see the balance not reflecting the correct amounts just vanish from you noticing that your payments are not being reflected. Something is not right about this company. Working in the banking industry in the past has taught me a lot and this is very much suspicious!
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WI)

I opened a checking account with Citi in XX/XX/2023. The reason I signed up was because I am a XXXX male. Citi claims they are the bank for XXXX- people according to their advertising. 

I deposited 2 checks from the IRS on XX/XX/2023. One for {$430.00} and another one for {$1100.00}. 

I received communication from Citi that they had " confidential '' information that I was doing check fraud because the deposit would not be accepted. The money was held but released when the check cleared. 

I inquired about this " confidential '' information. I asked the representative and they had no answer. I am not sure what Psychic or Fortune Teller service Citi uses for these false claims. 

Then in the future, Citi gave me problems with Credit Card Fraud on my Credit Cards. 
Citi even closed some of them. I noticed today XX/XX/2023 that one of them was closed without any communication. 

I have never had a bank that functions like Citi does and makes false allegations against their customers.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I talked with Supervisor from customer service XXXX who said my account status changes. Wouldn't explain why. Told him the XXXX deposit was money towards burying my brother and my job pay was yesterday. I needed money groceries and gas. Nothing. This is cruel and unprofessional. They won't give me a date of release!! I'd like to complain
Consumer complaint received 2023-09-14
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: EQUIFAX, INC. (OH)

I am writing to formally dispute unauthorized inquiries and accounts on my credit report, which I believe violate the provisions outlined in 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681g of the Fair Credit Reporting Act ( FCRA ). 

I recently obtained a copy of my credit report from XXXX and XXXX dated XX/XX/XXXX, and discovered the presence of unauthorized inquiries and accounts that do not belong to me. I understand that under 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. In light of this, the unauthorized inquiries and accounts on my credit report raise concerns regarding compliance with this provision.

Furthermore, 15 USC 1681g of the FCRA grants consumers the right to request and obtain a copy of their credit report from a credit reporting agency. I exercised this right and reviewed my credit report, only to find discrepancies that require immediate attention and resolution. According to this law, there should be no fraudulent information as this is defamation to my character.

I reviewed a copy of my credit report and have found unauthorized inquiries, names, addresses and information listed that are not related to any transaction by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (IL)

I was notified through my VA loan officer that XXXX placed a collection on my credit through CCS, I called XXXX and they stated that it was an error and my account was paid prior to the collection date and it should have been corrected and that they would send me the documentation and I could send it to the Credit collection company which I did. The company told me that they would not remove the collection and that it would show as a closed account I sent over proof my account was not closed and open and it was paid in full also that the DATES were inaccurate and that it would need to be corrected, the gentlemen told me he would not do nothing and said I could pay the amount, which was already paid directly to XXXX to keep the POLICY open and that I would not pay a double cost to a payment already made, which the gentlemen told me then it would stay on my credit report and good luck.
Consumer complaint received 2023-09-14
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC. (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute and seek your assistance in the resolution of an inaccurate collection account on my credit report, specifically in relation to Equifax, one of the major credit reporting agencies. I believe that the information related to this collection account is incorrect and is in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (AZ)

XXXX I took an auto loan out for the purchase of a XXXX XXXX XXXX from Santander Consumer company. I made payment on this vehicle for 2 years. XXXX I had fell into some hard times with a move I made to Arizona. During this time my car ended up being approximately 2 month behind. 

Santander Consumer then made a threatening game of chain calling mine and my wife cell phone in hopes of obtaining money we owed. We would make agreements with them and sometimes pay them hundreds of dollar at a time. I recall an instant that I paid this company XXXX and they chain called me the entire rest of the day. 

My father was also involved in this. My father would lend me hundreds of dollars out of his bank account to pay them. In-fact my entire family was paying them right along with me. So eventually I sat in my fathers kitchen he lent me XXXX. I paid them in less then a week the car was gone I believe that the entire repossession was unlawful. They could have told me they were going to take the car instead of getting thousands of dollars. Through this scam they had going. 

I feel like I had been treated unfair. This company since the vehicle was repossessed has sold the remaining balance of the loan to some company. The car was sold I heard they kept our property. And now they want XXXX for a car they forced away and have back to the point where the vehicle is already been sold for the last 5 years. 

I spoke with my attorney " XXXX XXXX XXXX XXXXXXXX about the situation. The referred me to your bureau and said you might be able to help. I have bank statement, my father willing to speak along with my wife. My attorney can also vouch.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX co account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to.

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the c
ompany or affiliates are to contact me or any family members by any means other than the US mail system.
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation (FL)

On XX/XX/2023 I received an adverse action notice from this company via email for a loan I did not apply for. I chatted with someone online via their website and informed them of this fraud, and they were not helpful and alluded that I had done it but had forgotten. This is not the case. 

I then called and spoke to customer service who was unable to locate my information. I was calling to request information, including copies of the application, which was fraudulent, and I informed them of the fraud. They continually questioned that I was calling the wrong company, but I confirmed I was calling the correct company on several occasions. Nothing came about from their contact, and according to what I was told, nothing was done because they couldn't find the application. He also stated that the address I read from the Adverse Action notice was not the company 's address. 

I also checked with the credit agency included in the Adverse Action Notice, and they had made an inquiry that matched the same company name. They should have a record of this application.
Consumer complaint received 2023-09-14
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. (GA)

In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am writng in regards to my consumer disputes that was never responded to which is unprofessional and against consumer law fdcpa-frca, its been 30 plus days still no response from the companies in question
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

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 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 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 2023-09-14
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. (FL)

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. 

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 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 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 2023-09-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

My CD at Marcus ( Goldman Sachs Bank ) matured on XX/XX/2023. I gave wiring instructions in advance, and I did not receive any money after the closing date. I use their chat and called and they said that because of dollar limits on the size of the account, they were having problem closing the account. I called daily and got the run around. I would like them to send me the money along with extra interest for every day that they have held the funds that should have been returned to me if not for their error.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (ME)

PayPal Credit has reported someone else 's delinquent PayPal Credit card account onto my credit report again, this is a reoccurring issue with them. After calling multiple times they don't know what they are doing and can't understand that the card account is not mine, after explaining the situation to several employee 's who don't understand the issue I am totally frustrated. I have notified the credit bureaus. This has happened several times telling me they haven't tried to locate the actual owner of the account. I have never had a PayPal credit account.
Consumer complaint received 2023-09-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC (IL)

Sent 3 emails to my daughter about a debt they want to collect and gave her all information about the debt including original creditor, debt amount, etc. This is an explicit FDCPA violation. The email address was created BY MY DAUGHTER several years after the debt was incurred, was never associated with the account and she lives in a different home than I do and has for 4 years. 

If they are sending to her then I don't know who else they are sending this same information to in a blanket attempt to collect an old debt they purchased from the original creditor. CFPB should request this information and take further action based on who else they contacted.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

I enrolled with a Citibank XXXX XXXX XXXX card for XXXX store promotion during checkout at a XXXX 's retail XXXX. The store provided a temporary ( paper ) card with number. I then found XXXX 's online systems were broken to the point of not being able to access the account at all, for over a month. Weeks of stereotypical customer support fiasco followed. I eventually filed a Better Business Bureau complaint in an effort to compel Macys to respond. I was eventually issued the physical card they originally failed to deliver, so that I could access the account, review statements, and pay the balance. A late fee was reversed, and I paid the interest balance on the account in addition to the principal balance. This was the extent of the compromise initially reached. 

That is, I paid the entire account balance XX/XX/2023. I have since checked the account 's status and confirmed that the balance is {$0.00}. In a response letter to a Better Business Bureau complaint, a XXXX XXXX representative further stated that the balance at that date ( XX/XX/2023 ) was {$0.00}. There has been no activity on this account whatsoever since the initial purchases ( and refunds ) made in XXXX. 

A credit monitoring service from XXXX ( which I have instituted following this incident ) is now alerting me that this account shows an interest charge and a balance. 

I have attempted to access my account via XXXX XXXX XXXX XXXX and have received a message that " We can not display your information at this time ''. I am unable to manage the account in any way. 

As far as I am concerned whatever activity is now transpiring on this account is nothing short of credit card fraud.
Consumer complaint received 2023-09-14
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.