davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (WV)

I paid my XXXX XXXX account off and was never ever late on it and Ive tried this multiple times and t none of the bureaus will change ur event though I paid the card off or paid the minimum payment before the due date. They also closed the credit card with XXXX notification and stated that it was because of returned payments which happened because I was on XXXX for XXXX and was struggling with it and my work wasnt paying me like they were supposed to. Additionally this account should have a XXXX balance on my credit report yet it doesnt.
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (GA)

Three transactions that were unauthorized, the bank has not put the money back into my account, taking longer than the amount of time allowed by law. The 3 claims are Claim Number : XXXX for {$30.00}, Claim Number : XXXX for {$21.00} and Claim Number : XXXX for XXXX
Consumer complaint received 2023-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I opened this card on XX/XX/XXXX and started making purchases on XX/XX/XXXX. I made over {$2000.00} of purchases in the first 60 days of account opening but I didn't not get the promotional points offer. The credit card company says I didn't meet the terms and conditions but I feel that they should give me the credit for the promotion points offer of XXXX. I have paid an annual fee and should get the points offer. 

Also, I have not received the 50 % travel voucher for my companion as of yet and I believe I only have a certain amount of time to use that and so I want to make sure I receive that as well.
Consumer complaint received 2023-03-25
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: Affirm Holdings, Inc (PA)

I paid off an account back in XX/XX/2023. The company affirm is still reporting my account as not paid in full. I have sent my paid off letter confirmation via the upload section proving that I paid it off in full. I have disputed twice and twice I have gotten back results stating that The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So the account REMAINS unpaid. Even with my proof straight from the companys website that it is paid off.
Consumer complaint received 2023-05-11
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Consumer complaint received 2023-03-25
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)

In line with the Fair Credit Reporting Act section 605b, I am XXXX XXXX XXXX, and I am submitting this CFPB complaint as a follow-up to the prior one I submitted asking for the removal of the bogus accounts and information from my credit file. I've lately found a number of entries on my credit record that I neither authorized nor took part in. These things are seriously hurting my finances and lowering my credit score. A few credit accounts that I did not start, as well as a number of charges and loans that I did not request or get, are specifically among the bogus items on my credit report. These false items add up to a sizable total and have a bad effect on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$90.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FOR XX/XX/XXXX. These items were the outcome of the theft of my identity. I asked you to email me copies of any ownership documentation or other proof you discovered throughout your search if you think these items are mine.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUN LOAN COMPANY INC. (TX)

XXXXXXXX XXXX XXXX I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. Not only are violating my right to privacy by reporting these inaccuracies and didn't get written permission to provide. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This never occurred during or after 30 plus day investigation by debt furnisher. Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Consumer complaint received 2023-05-11
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. (AZ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXXXXXX. Please delete ASAP.
Consumer complaint received 2023-03-25
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. (TN)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CHERRY TECHNOLOGIES INC. (GA)

On XX/XX/year> we submitted a identity theft report to the company. The company has since responded by denying to block the reporting of the information that is appearing on our credit report due to identity theft. The company claims to have investigated this claim but has failed to provide substantial proof as to why they have denied our request to close the account and delete it from our credit report. The company states, " After a thorough review, it has been determined that the application is valid due to the personal identifiable information listed on the application, which may include but is not limited to a phone number, email, and connected bank account used during underwriting. Based on the information provided on the application and the police report submitted, Cherry is unable to approve your fraud claim. '' This statement was not accompanied but any evidence to show that the information they have identified was not the result of identity theft. This company has failed to properly investigate our claim and it is causing us a substantial amount of stress and hardship on our well beings. We are a victim of identity theft and our information has been falsey used to open an account appearing on our credit report. This claim is pursuant to 15 USC 1681c-2 a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting of Repossession Fee by Santander USA To Whom It May Concern, I am filing a formal complaint against Santander USA regarding inaccurate reporting of a {$410.00} repossession fee that is negatively affecting my credit. The circumstances are as follows : I took out an auto loan with Santander USA in XX/XX/XXXX. 
In XXXX of XXXX, my vehicle was repossessed. 
I paid off the entire principal balance of the loan of {$14000.00} which included all associated fees, including the {$410.00} repossession fee, before the 30-day period following the repossession, which led to the release of the vehicle title to me. 
After this payment, Santander USA at some point refunded the {$410.00} repossession fee due to an issue on their end. 
However, months later, Santander USA recharged the {$410.00} to my account without any notice, causing it to appear as an outstanding balance on my credit report. 

I was never properly informed of this chargeback, and the fee was initially refunded after my payment was made in full. This reporting is not only inaccurate but also unjust, as I fulfilled all financial obligations tied to the loan. Despite contacting Santander USA, they have failed to correct this issue, and it continues to harm my credit. 

I am seeking assistance from the CFPB to investigate this matter and ensure that Santander USA rectifies this error by removing the {$410.00} repossession fee from my credit report. 

I have attached all supporting documentation, including proof of loan payoff, documentation of the refund and subsequent charge, and any correspondence with Santander USA. 

Please let me know if you need any additional information to assist in this process. I appreciate your prompt attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (CA)

I am writing to formally dispute the four negative accounts you are reporting on my credit report. I have disputed these accounts multiple times with the credit bureaus, and each time, they are returned as verified, yet no proof has been provided that includes my legal signature or authorization for these loans.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I demand that you provide documented evidence, including my signature, proving that I authorized these accounts. Also under the FCRA, billing statements or charges do not suffice in proving that I authorized these accounts! Failing to do so is a violation of federal law, and I expect immediate corrective action if such proof can not be produced.

It is my right under the Fair Debt Collection Practices Act ( FDCPA ) to request and receive full validation of these debts, including loan agreements signed by me. If Affirm is unable to provide this documentation, you are required to stop reporting these accounts to the credit bureaus and ensure their prompt removal from my credit file. 

I am giving you 30 days to resolve this matter and provide me with the necessary proof. If no such documentation exists, you must delete these negative items from my credit report and provide written confirmation of their removal. 

Your continued failure to provide verifiable evidence, including my legal signature, constitutes a violation of my rights under the FCRA and FDCPA, and I am prepared to pursue legal action if necessary.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MO)

I'm trying to get MO DMV form 4809 completed to add my wife to the title of the car. The secure message team keeps telling me to contact the call center, and the call center keeps telling me to contact secure messaging.

I have the form and completed my section and uploaded it to the secure messaging center, they tell me to contact the call center, the call center does not have access to the secure messaging and say I can't email them the letter to complete. They say they can mail a form to my DMV, the DMV says that I personally have to bring the form 4809 in when I register, but the call center can not complete and return to me the form to do so.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

After checking my credit report earlier this month, I noticed that I had a random collection account show up and report to all three credit reporting agencies ( XXXX, XXXX, and XXXX ). This dropped my credit score by over 10 points on each of the reporting agencies and is preventing me from seeking further lines of credit for myself and business.. After further investigation I realized that it was from a company called " National Credit Adjusters ''. They are alleging that I owe them {$970.00} for an original creditor called " XXXX XXXX ''. 

On XX/XX/23 I sent them a validation letter to confirm the debt ( attached below ). It was sent by certified mail and signed for on XX/XX/23 ( also attached below ). They then sent me a response on XX/XX/23 starting they received my dispute and are investigating. They said that it can take more than 30 days ( their response letter is also attached below ). 

However, after reading up on the law and latest posting by CFBP here XXXX XXXX XXXX XXXX  This company never did the following : 1. ) They never sent me any notice identifying themselves as a " debt collector '' prior to adding this frivolous item on my credit report.

2. ) They never provided an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date 3. ) They never provided Information about your debt collection rights, including language that : A. ) If you dont dispute the debt within 30 days the debt collector will assume the debt is valid. B. ) If you do dispute the debt in writing within 30 days the debt collector must stop collection until it provides you verification of the debt. 
C. ) If you request the name and address of the original creditor ( if different from the current creditor ) within 30 days, the debt collector will provide you that information 4. ) They never provided any information on how to dispute the debt. 

I had no idea who this company was until it showed up on my credit report and I conducted my research. At no point and time have they ever been in direct communication with me prior to adding this item on my credit report. 

Additionally, they never validated any debt showing proof bearing my signature and a direct agreement with them to pay the alleged debt that they say I owe. Lastly, i've ready multiple reports on CFPB about them sending these bogus response letters saying that the investigation may take more than 30 days, only to never respond again. 

This company also appears to be a repeat offender like XXXX XXXX and are practices some of the same tactics that the CFPB just filed a lawsuit against XXXXXXXX XXXX  for here : XXXX XXXX XXXXXXXX I am requesting that this company delete this item off of my credit report with all of the credit reporting agencies ( XXXX, XXXX and XXXX ) . This is an invalid debt.