davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (VA)

Ford Motor Credit / Ford Motor Company misapplied payments, didn't correctly report to the credit bureaus ( which I'm having to correct their inaccuracies with the bureaus myself ) and failed to report that the vehicle in question was ( as agreed by all parties ) RETURNED with a XXXX balance due to their fraudulent and shady business practices as an effort to avoid being sued. 
Ford Motor Credit and XXXX XXXX XXXX XXXX ( Virginia ) are crooks and sell overpriced lemons after refusing to allow someone to purchase a vehicle ( IN CASH ) telling them that they only way they can get a car is to finance it through them. And then they throw in their " VIP '' package which is bs because in the end it doesn't save you money on anything.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute to all 3 Credit reporting agencies ( XXXX, XXXX, TransUnion ) saying my personal information listed on their reports were wrong. The did not update any of the information. The only correct information that any of the 3 agencies had been : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX All other information listed was incorrect or not accurate and I wish to have them deleted : All other Names All other Addresses Employers Mother 's Maiden Name The only information that was accurate is what I stated above.
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/year> I purchased a mattress from Mattress Firm at {$2000.00}. Apparently, I had 48 months to pay it off before the interest kicked in. 

In late XXXX I noticed my minimum due increased from $ XXXX to XXXX, a payment I wouldn't be able to afford. Alarmed, I called Synchrony early XXXX and the representative explained that the 48 month period just expired. This representative offered me a deal : If I paid {$1100.00} while I still only owed {$1200.00}, then they would be satisfied. Were I to have waited past the end of XXXX I would have owed {$2600.00}. 

This was a XXXX alarm fire for me because I still make little more than XXXX at this point. Thankfully my state tax returns could be allocated to pay the {$1100.00} owed on the mattress. Feeling extorted, I had to borrow from family to make rent that month and the damage and resulting fallout with my relatives is ongoing. 

Nonetheless, I contacted Synchrony explained the deal I had been quoted, and they adjusted the payment to {$1200.00} before the end of XXXX. This should have been the end of it. 

Last month I got [ Fraudulent ] notification that I still had monthly payments to make towards an inflated balance. [ see incorrect min due attachment ]. I called Synchrony and was 'gaslighted ' to the effect as if I still owed money-as though I had not taken the deal and paid that {$1100.00} bumped up to {$1200.00}. 

I believe that when confirming my info, the Syncrony agent/debt collector heard my XXXX XXXX XXXX suffix and simply 'decided ' he could go after me for commission for this money that was no longer owed.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I made a complete payment for my credit card in store but even though it says on my credit card issuer 's website that the payment was complete. They are still charging me the same amount plus the overdue fees.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am demanding the immediate removal of unauthorized inquiries that continue to report on my credit file without my consent. Under the Fair Credit Reporting Act ( FCRA ) 604, inquiries without permissible purpose are not allowed to appear on my report.
Consumer complaint received 2024-10-31
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-31
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. (WA)

I am writing to formally dispute certain entries on my credit report as I am a victim of identity theft. According to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and under 15 U.S.C. 1681c-2 ( a ), I am requesting that the following accounts and inquiries be permanently blocked and deleted from my credit report. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern, ** I am writing to request the immediate unsuppression of my TransUnion credit report. I recently discovered that my credit report has been suppressed, which is affecting my ability to access important financial services. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate information. I believe that my report has been suppressed in error, and I request that you remove this suppression immediately. 

Please find attached copies of my identification, proof of address, and any other relevant documents to support my request. I also request that you notify me in writing once the suppression has been removed. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-07-17
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$120.00}
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN card.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
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)

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX For the period of XX/XX/year>, XX/XX/year>, XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Consumer complaint received 2019-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WILSON & ASSOCIATES, PLLC (TN)

I've paid my first trial payment XX/XX/2019 for my mortgage modification though XXXX XXXX. There is a property foreclosure sale date set XX/XX/2019 and I'm in a mortgage modification. Wilson & Associates the foreclosure attorneys was contacted to cancel the property foreclosure sale date. They refuse to cancel property foreclosure sale date
Consumer complaint received 2019-01-25
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: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/XXXX, XXXX XXXX XXXX, an employee of Huntington National Bank in  XXXX, Ohio obtained unauthorized access to my credit report from XXXX, XXXX and XXXX. I learned of the unauthorized access on or about XX/XX/XXXX. Although I am an account holder at Huntington Bank, I never applied for any type of credit or loan from Huntington and I never authorized the release of my credit reports to Huntington or anyone associated with that bank. On XX/XX/XXXX I spoke to " XXXX '' and XXXX XXXX at Huntington Bank ( XXXX ) and was told by XXXX that the credit inquiry would be removed by the bank. XXXX told me that she had " sent a request '' to the credit bureaus to have the inquiry removed. On XX/XX/XXXX I spoke with XXXX XXXX, reportedly XXXX 's supervisor, at ( XXXX ) XXXX. He also told me that he would have the inquiry removed from my credit report. On XX/XX/XXXX XXXX changed his story and told me that I would need to sign a statement and include my approval for the inquiry to be removed. XXXX claimed this was the procedure required by each of the credit bureaus. I asked XXXX to provide proof from the credit bureaus of such a requirement. He has not done so. I have never believed XXXX 's claim about the credit bureaus ' alleged requirement. On XX/XX/XXXX I spoke with XXXX XXXX at the bank ( XXXX ). She is said to be the manager of the bank 's " customer advocacy ''. She claimed she did " not understand '' why I would not sign the statement I did not think was required. On XX/XX/XXXX, I received a telephone call from XXXX XXXX ( XXXX ). He claimed he was another member of the bank 's customer advocacy " team ''. He stated that his primary goal was to " deal with removing the credit inquiry ''. All indications are that he has not even tried to do so. He has certainly not put anything in writing as I asked him to. Each of the above mentioned persons ( some more than others ) has a tendency to interrupt, be argumentative and make excuses. One thing they have not done is correct their unauthorized inquiry into my credit report. On XX/XX/XXXX I spoke to representatives of XXXX, XXXX and XXXX concerning this matter. To a person, they each unequivocally stated that their credit bureau requires the bank to remove the inquiry and that they do NOT require ME to do anything. Each credit bureau representative also confirmed that the bank has done nothing in that regard. The people I spoke with are XXXX, a supervisor at XXXX, I.D . XXXX at ( XXXX ) XXXX ; XXXX, a supervisor at XXXX, at ( XXXX ) XXXX ; and XXXX at XXXX at ( XXXX ) XXXX. XXXX offered to contact the bank on my behalf. The bank 's response, or lack thereof, to that contact should be interesting to note.
Consumer complaint received 2024-10-31
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. (IN)

Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving XXXX  the opportunity to make this matter right by way of the following ; Transunion has ignored the fact that XXXX and the Bankruptcy court stated that they are not reporting this information to them XXXX  and XXXX has removed the information, TransUnion is not abiding by fcra and fdcpa credit laws see attached documents. These accounts are inaccurate and should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXREMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION,
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

2nd complaint, same issue, Chase did not resolve first complaint, I opened an account online since I suffer from XXXX and am XXXX XXXX, that is how I'm forced to do my banking, I deposited a {$7.00} rebate check shortly after opening the account online and was notified by Chase that my account was frozen due to fraudulent activity, I called Chase and spent several hours on hold on day 1, day 2 and day 3, i was finally connected with a person although I could barely understand her English, I was told the account had been released and she could close it if I answered some question to verify my identity, the first 2 question I couldn't understand what she was asking me, the 3rd was what auto license # was associated with me, as I previously stated I'm XXXX and in NYS your not allowed to drive when your XXXX. I was unable to answer these inane questions and was told " sorry nothing she could do '' I then filed a complaint and was contacted by someone from corporate, he told me he would handle it. well all he did was " nothing '' the hold had already been lifted anyway, the problem remains that I cant close the account, i spent another 40 minutes on hold today 1st with customer service then with corporate, only to be told Id have to call customer service again. If Chase allows a person to open an account online, since they are unable go to a brick and mortar bank, they need to allow them to conduct the rest of their business remotely as well. if Chase is more in need of the {$7.00} than I am they can have it, I simply don't want an account in my name with a bank that can arbitrarily accuse me of Fraud, with no explanation. I want the account closed period. Im attaching the letter from Chase, from the first complaint.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-31
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)

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.

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 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XX/XX/year> XXXX I received a letter from XXXX XXXX saying that XXXX XXXX  sold them my information
Consumer complaint received 2024-10-31
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. (NC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.