davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
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. (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 15 USC 1681. 

Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (DE)

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., has violated my rights. Account name : Self lender 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed. I contacted them several times and was advised that they havent updated my account information since XX/XX/2023 even after I made payments
Consumer complaint received 2023-08-22
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. (FL)

My name is XXXX XXXX XXXX and I am sending this message in regards to credit agency TRANSUNION. It has come to my attention that my credit file has errors and I have contacted TRANSUNION through mail on XX/XX/2021 through certified mail # XXXX it was received by XXXX. TRANSUNION sent me a letter stating that the information I disputed was verified. TRANSUNION has a history of reporting erroneous inaccurate information on my credit report and I have the facts to prove it. The account I am disputing XXXX XXXX XXXX XXXX account number : XXXX. TRANSUNION is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquires reported & XXXX XXXX XXXX XXXX is fraud and said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TRANSUNION to provide the documentation used to determine inquiry was indeed authorized by the consumer, TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. TRANSUNION Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, North Carolina XXXX i will be filing form XXXX treasury omb forms to audit consumers account. TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

This company failed to send me a Notice of Debt which they are legally required to do. This company never provided the name of the original creditor, the amount owed, or notice of my right to dispute the debt. I paid the original debtor directly, which was Progressive XXXX insurance, the remaining balance of {$160.00} on XX/XX/. If I was able to pay Progressive directly, the company Credit Collection Service did not own the debt. They are violating my rights by trying to collect on a debt they do not own and they are also violating my rights by appearing on my credit reports as a collection account. My rights are being violated by this company and I will escalate this if this is not resolved.
Consumer complaint received 2023-08-21
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bubba Hill Auto Plaza Inc (SC)

I XXXX XXXX am submitting this request again due to then on response of my inquiries. Since XX/XX/2023 I have asked Bubba Hill Auto to provide me with original documents of this loan, they refuse. In their response to my last complaint they whole heartedly said they had no issue getting this documents to me but have yet to do so. I want original signed documents emailed to my email address to which I have emailed and employee XXXX numerous times. They by law have to prove this debt/repossession is legally mine, and they refuse to do so because they state these documents are locked in a storage unit. I have asked for these documents since XX/XX/2023 and yet as of XX/XX/2023 no documents have been provided.
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

The original creditor is exeter finance which the debt was in the amount of {$10000.00} on a car loan. exeter has reported my debt as a charge off and i never recieve a 1099-c form. After exeter put my debt as a charge off They sent my debt to XXXX management and they are illegally coming after me for a debt that been paid off.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I made numerous attempts ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) to remove inaccurate accounts from my credit report and accounts are keep coming back verified and accounts are still appearing on my report. I will like to know how these accounts are being verified when the account addresses are not even on my credit report. The accounts that need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX , and XXXX XXXX. I need these accounts removed immediately. The only address I am affiliated with is XXXX XXXX XXXX XXXX XXXX MI XXXX. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you.
Consumer complaint received 2023-08-20
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

XXXX XXXX XXXX may have made an inquiry on my Experian credit report, even though I had made no request for a card or credit. 

- When the loss or theft of personal information occurred or when the fraud ( s ) occurred : XXXX XX/XX/XXXX- How you discovered or learned of the theft : Experian reported to me that there had been a hard inquiry on my credit report. 

- Any known information about the perpetrator : Experian identified " XXXX XXXX XXXX '' - The names of creditors and account numbers involved in the theft - The filing date and case number : I filed a dispute with Experian XXXX XX/XX/XXXX. They indicate Report Number is : XXXX Investigation ID is : XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (VA)

Subject : Complaint against PNC Bank regarding unjustified late fees, lack of payment notification, and persistent online banking issues Dear Sir/Madam, I am writing to formally file a complaint against PNC Bank concerning multiple areas of concern, including the mishandling of my credit card payment for the XX/XX/XXXX statement period and the ongoing issues with their online banking system. 

For your reference, I have been a PNC Bank travel credit card holder for over XXXX years, consistently paying my statement balance on time with few exceptions. I made a payment of {$5500.00} over the phone on XX/XX/XXXX, one day before the due date. 
Between XXXX XXXX XXXX XXXX, the PNC 's online banking system displayed the successful payment of the statement balance, leading me to believe that no further action was needed on my end. However, PNC Bank failed to process this payment, resulting in the application of a late fee and interest charges on my account on XX/XX/XXXX. 

Upon contacting PNC Bank, I was informed they couldn't locate the bank account from which the payment was initiated. Notably, I have been using the same XXXX bank account to make my credit card payments every month. Moreover, I've faced recurring problems with the PNC online banking system, which has made online payments impossible. And when initiating payments from an external bank, PNC often takes up to XXXX business days to process, leading to further delays. These ongoing issues were a significant factor in my decision to close my PNC checking account back in XXXX. 

Despite these challenges, what stands out is PNC Bank 's failure to notify me of any issues regarding the phone payment before the due date, preventing a timely resolution on my end. 

After addressing the unpaid balance on XX/XX/XXXX, and escalating the issue to account supervisors at PNC Bank over the phone, I was met with an uncooperative response, and the fees were not reversed. 

While I am personally seeking a resolution to these undue fees and charges, it is my hope that by bringing this to your attention, measures can be put in place to ensure that financial institutions, like PNC Bank, can not impose unwarranted charges on other customers or cause them similar distress in the future. It is essential that banks operate with transparency, efficiency, and a genuine commitment to their customers. 

I trust that the Consumer Financial Protection Bureau will rigorously investigate this matter and ensure fair practices are upheld. I am prepared to provide any additional information or documentation as required and look forward to a satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone number : XXXX Email : XXXX PNC credit card number : XXXX
Consumer complaint received 2023-08-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

On XXXX I got an email saying the bank transfer has gone through. Being I had NOT made any transfers I went immediately to our online banking account. Sure enough, we were down {$2200.00}. Whoever sent our money to the XXXX XXXX XXXX XXXX. Last 4 of their account number is all I can see, XXXX. Transaction number was XXXX. I called the bank immediately and filed a fraud case, claim number XXXX After a few days I was told that they would not make it good because whoever did this to us used my username and password. We have no idea how it was done or how someone could get our info. I was then told by the bank that we could file an appeal. I told them yes, I wanted to. I was told that whoever stole our money used XXXX, which is located on the US bank dashboard page, once logged in to do the transfer. I was then told to contact the police and file a report of theft. I did with an Officer XXXX phone number XXXX here in XXXX. I have not heard from him since. I even called and left a message 2 days ago. We then closed our bank account and opened a new one. We can not afford just walking away from this money. Because of the loss I can't afford our house payment or elec. bill. I've had to take money out of my pitiful savings to try and cover it. Now I have late fees and we are still waiting for our checks and bank cards. We were issued temporary ones but were not told that our temp. card has a limit on it. Which our house payment is over. We did NOT do this and have had NO part in the theft. We have been with US Bank for just over 25 yrs. One would think that would show them that we are loyal and trustworthy customers. But now we are afraid to do business with them if our money isn't safe. 
Filed a fraud/scam with the FBI on XXXX The Missouri Attorney General 's Office has successfully received your complaint. 
Your Incident Number is XXXX Please help us get our money back. Thank you XXXX and XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (OH)

In XX/XX/2023 I discovered that my American Express credit card account had been closed months earlier. 
I contacted them via phone and was told that my account was closed due to inactivity and my points were gone, and I had no other way to reclaim them.
Consumer complaint received 2023-08-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I was not informed about the debt collection from XXXX XXXX, as they sent the notice to an incorrect address instead of my current one. As soon as I became aware of the collection on my account, I settled it in full, and it now reflects a balance of {$0.00}, indicating it's fully paid. Given that I was not notified at the right address about the debt, I request that this be completely removed from my credit report.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I DISPUTED THIS ACCOUNT FOR INACCURATE ACCOUNT. I GOT LETTERS SAYING THEY BEEN VERIFIED AND UPDATED BUT THE ACCOUNT IS STILL SHOWING THE SAME INACCURACIES. THEY ALSO DID NOT UPDATE THE DISPUTE STATUS ON MY CONSUMER REPORT IT SAY AND SAID ACCOUNT NOT DISPUTED. I DON'T KNOW HOW IF THEY SENT ME A LETTERS BACK AND I DISPUTED THIS ACCOUNT.
Consumer complaint received 2023-08-22
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. (TX)

I have continuously exhausted efforts to get items removed from my credit report that were a result of fraud/identity theft. I am unable to make any purchases due to my credit being damaged by whoever is opening things under my name. I have reported to both Equifax, XXXX, and XXXX for months and there has been no change or update to the status of these accounts, as well as new accounts that are still being reported as a result of the incident. I just want my credit back to how it was before this mess.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IN)

The save program isnt being applied correctly. One minute Im told that I have a payment less than {$200.00} and then I get a message that its over {$500.00}. 

My PSLF forms that are being submitted are not counting over a year of payments that would be approved according to guidelines.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (RI)

Chase Card Services seems to be exhibiting a pattern of FCRA violations and this is just the latest example ( see prior incident filed XX/XX/XXXX ). 

We ordered a replacement dishwasher part from XXXX in XX/XX/XXXX. The ETA was XXXX XXXX. At the end of XXXX, I received communication that the part was going to take up to another two months to ship. I emailed XXXX requesting cancellation of the item due to the long wait. I then immediately secured the part from XXXX. XXXX replied that they could not find my order. I provided them with all of my information and noted this should be enough information to look up my order and cancel it. XXXX never responded after this. 

Out of the blue, in XXXX we received a package from XXXX with the part. We contacted XXXX requesting they pickup the part at their expense since we informed them to cancel it months prior. XXXX also did not respond to this email. We then called their XXXX and experienced a substantial wait time so we hung up. 

Having no other choice, we disputed the item with Chase XXXX XXXX XXXX XXXX XXXX We kept the item and were prepared to provide it to XXXX when they came to pick it up. 

Having had a Chase account for a few years, we have noticed that Chase always puts up unnecessary roadblocks when disputing charges, no matter how obvious the dispute is in your favor and no matter what you provide upfront. Even if you include all pertinent information in your written dispute, they still require you to -call- them ( no electronic option is provided ) to re-provide all of the information you already provided to them. Presumably, this is to create friction and cut down on their labor costs in handling disputes. Nonetheless, we always play ball and provide the information requested. Usually, this is the end of our obligation. However, this time Chase mailed us a dispute form in XXXX requesting, for a third time, the same information we already provided to them. Again, we jumped through their hoops and responded by the XXXX deadline indicated. 

Inexplicably, we received a letter from Chase yesterday explaining that the merchant shipped the item to us and showed proof and therefore the charge is valid. 

This is a direct violation of the FCRA. Once we made our attempt to cancel the item, the purchase should be considered canceled and any attempt to continue the purchase is unauthorized. The fact that we then made attempts to allow the merchant to take the item back demonstrates that we clearly did not want this item, and that the obligation is on the merchant, not us, to facilitate the return.