davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-17
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. (LA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (AL)

Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

Tuesday XX/XX/21 I got a check from selling an item. They over paid - I deposited the check and XXXX the difference of the over payment to the person. Then the check bounced back- and the bank said that the account was fraudulent and closed and thats why it came back to me. At this point- they told me nothing they can do about it, since I sent the money. The check was for XXXX $ and they only owed me XXXX XXXX 
So my kindness got taken. And my account got hit. 
Dress was shipped by XXXX : XXXX and will be delivered by XXXX if on time. 
So you already got my money and a dress
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (NY)

XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THIS ACCOUNT ON MY CREDIT REPORT! 

NO CONSENT IS IDENTITY THEFT! 

I NEVER DID ANY BUSINESS WITH THIS COMPANY / COLLECTION AGENCY WHICH THEY HAVE NO RIGHT REPORTING HARMFUL INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

XXXX : I opened a Regulation E claim with US Bank regarding a XXXX XXXX transaction the receiver did not receive. 

I waited 10 business days in order to receive written confirmation of my claim. I never received any written communication. 

I also waited for provisional credit since a resolution was not provided within the initial 10 business day period. I never received provisional credit. 

XX/XX/ : I called US bank and was transferred to a total of 4 people before being told that they could not assist me as the money was processed. I expressed again that the recipient did not receive the funds and asked where is the confirmation from XXXX XXXX confirming receipt. I was again told that they could not help me and to call XXXX. I spoke to XXXX at XXXX who confirmed that the claim should be processed by the originating XXXX Partner US Bank, not the receiving partner XXXX XXXX.
Consumer complaint received 2024-07-05
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, I was travelling to XXXX for vacation. I lost my credit card during my travel to XXXX on XXXX. There were fraud transactions worth {$500.00} which I had to dispute with Bank of America. 
Details of transaction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$3.00} XXXX XXXX XXXX {$7.00} XXXX XXXX XXXX XXXX XXXX {$21.00} XXXX XXXX XXXX {$9.00} XXXX XXXX {$6.00} XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$43.00} XXXX XXXX XXXX XXXX {$5.00} XXXX XXXX XXXX {$5.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$16.00} All the above purchases were not made by me. I also reported my card as lost/ stolen to bofa . Initially BOFA issued me temporary credit but then denied my claim saying they feel transactions are valid and system did not report anything fraud to them. I told them that I did not perform those transactions and card got lost/ stolen. They don't have proof of denial they said they are valid and they are unable to pay they have no proof to show those transactions are done by me ( when I did not do ). I need your help from BOFA for thorough investigation and help with proof if they think transactions are valid.
Consumer complaint received 2024-08-17
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. (AZ)

Urgent Request for Removal of Fraudulent Accounts Dear TransUnion Team, I am writing to dispute the following accounts on my credit report, which I believe were opened fraudulently. These accounts were not authorized by me, and I did not consent to any transactions or applications related to them. 

**Fraudulent Accounts : ** XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX XXXX, XXXX XXXX. ) XXXX XXXX  XXXX, XXXX To support my claim, I have attached the following documents : - **Federal Trade Commission ( FTC ) Identity Theft Report** - XXXX ( Internet Crime Complaint Center ) Referral Form** Given the serious nature of this situation, I kindly request that these fraudulent accounts be removed from my credit report immediately. Please also ensure that any negative information related to these accounts is removed, and I am provided with an updated credit report reflecting these changes. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt investigation into this matter. I request a written confirmation of the removal of these accounts and any other steps taken to rectify this issue. 

Please contact me at the above address or by phone if you require any additional information. I appreciate your urgent attention to this matter. 

Thank you for your prompt action. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am reporting the persistent denial of an investigation by TransUnion for the third time in XXXX! This company has developed policy that violates the consumer laws. TransUnion is supposed to initiate a dispute with a creditor regarding the completeness or inaccuracy of ANY item on my credit file directly with the company on my behalf who has applied unauthorized information on my credit file. Various inquiries appear on my credit file that were unauthorized by me on XX/XX/XXXX and XX/XX/XXXX. I have written letters to TransUnion as well as contacted the financial companies to initiate a dispute, however TransUnion is refusing to do its job to contact these financial agencies directly to initiate a dispute and remove these items within 30 days from my credit file, or at lease provide me with a written response after their investigation. I spoke to another representative in XXXX on XX/XX/XXXX after receiving a letter from TransUnion which explains their explanation of Inquiries on my Credit Report but does not offer a resolution towards a dispute of unauthorized inquiries. Therefore TransUnion is directly working against me as a consumer by not removing unauthorized items from my report and not conducting an investigation of the same.
Consumer complaint received 2024-07-25
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2018-10-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Escrow Inc (TX)

I had filled bankruptcy in XXXX. In XXXX of XXXX I dropped off a payment at XXXX XXXX XXXX Escrow Inc office. I was followed by an employee who stated my payment was being rejected. I then asked to speak to owner of Escrow inc and asked her to explain to me why my payment was not being accepted.I asked for her to give me payment history of all the payments made by the Bankruptcy Western District Court. XXXX couldn't give me an answer I demanded a print out and instead I got a Sticky note with made up figures. At one point she looked at her computer and could not provide me with a payment history. In fact she stated that because of the bankruptcy she demanded all payments in full. I explained I had lost my job in XXXX of XXXX and i was doing everything in my power making all payments even without a job. I'm exhausted mentally and its affecting my health. I have made an appointment to meet with the bankruptcy attorney. 
Demand letters are now in my possession with amounts that are unreal. I truly believe Escrow Inc XXXX had retaliated against me because I did NOT rent my house to her daughter that was going to be stationed in XXXX XXXX with her family. I responded to her if i ever did i would have to lease it for a higher amount than my mortgage payment. XXXX responded XXXX is better than nothing and you can come up with the rest. I would take it in a heart beat was her response.I didn't respond. She knew I was struggling to make payments. 
Obviously she uses her business to her advantage I have made all attempts to pay and she had mailed back all payments.
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I just refinanced my mortgage and now it is with a new servicer PHH. I was able to make myXX/XX/XXXX payment electronically even though I had to sign up for electronic statements to avoid a payment fee of {$7.00} I attempted to schedule a payment on XX/XX/ forXX/XX/XXXXonline and their system would not allow me to do that. When I called thinking there may just be a technical issue with their website, I was informed that I wouldnt be able to make payments online unless I sign an amendment to the note. They told me I could mail in a check instead though clearly I would be late since there wouldnt be enough time for a check to get there byXX/XX/XXXX. 

This is completely unacceptable. I am trying to make a timely payment and I dont believe that there is anything in the note that covers payment methods so I dont understand why they would force me to sign an amendment. 

They will make me be late on my mortgage and will impact my credit score. 
This is absolutely the worst servicer I have ever dealt with and I did inform them that I would be filing a complaint with the CFPB which they didnt care about at all.
Consumer complaint received 2024-08-17
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. (AZ)

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 2024-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Ive been banking with XXXX XXXX for a while now. While I shouldnt have deposited a check that wasnt mine, they are still taking 45 days to even see a status on my account. I was told I would be receiving a call or letter but it has been nearly 31 days and have yet to receive anything.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (TN)

I co-signed for a car for a former girlfriend. The car was purchased in XX/XX/XXXX. She made payments on the account monthly and on time. XXXX of XXXX Santander which is who the car loan was through was notified that the car was totaled out and that gap insurance would take car of the balance. Upon checking my credit report I noticed that the account was still showing on my credit report. I contacted Santander and informed of the problem and was told that gap insurance never contacted them and that the account still had a balance on it and that the car was repossessed. I proceeded to ask how was a car that was totaled and in a salvage yard repossessed. The representative then stated that they were notified that the car was totaled in XX/XX/XXXX and that they submitted a claim to the gap insurance, but never heard anything from the gap insurance company so they placed car as a repossession, and that the car was sold and the balance that was on the car was the remainder balance after the sale. I went over the account with Santander representative and informed him that the account on my credit shows as a charged off account not a repossession. I also inquired about the settlement lawsuit to forgive the loan and was told that I would have to contact the attorney general, but was informed by attorney general that I would have to contact Santander about the forgiveness settlement. I have been given the run around about the issue and this causing havoc in my current life.
Consumer complaint received 2022-11-15
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. (NJ)

I submitted a letter to the XXXX Credit Bureaus to remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please delete these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (TX)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. No consent is Identity Theft. I sent a dispute letter informing you of inaccurate information on my credit report over 30 days ago ( attached ). As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. XXXX and XXXX have removed these accounts. Enclosed with this complaint is the true bill documenting the violation of the following accounts. Remove these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Escrow Inc (WA)

I entered into a 5 year mortgage agreement i  n  XX/XX/XXXX  in the  amount of {$130000.00}. The agreement stated after 13 months any or the entire principal may be repaid at any time without penalty. In  XX/XX/XXXX  I paid the loan off by refinancing with another company. At that time Escrow, inc., the administrator of the loan, charged me {$100.00} payout fee, {$670.00} service fee, {$75.00} close out fee, {$15.00} VOM request, {$30.00} for 2 history fees, {$75.00} for 3 payoff fees for a total of {$970.00}. The loan only had 17 months left to payoff and they were paid {$17.00} a month for billing fees. If I would have paid the loan in 5 years they would have received {$280.00} in fees but by paying off early they charge me the {$670. 00}.
Consumer complaint received 2024-08-17
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. (CA)

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 XXXX 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 2022-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

I asked for verification of this debt by certified mail. I also asked them to send me a signed contract between LVNV/Funding/ Resurgent, but they have not supplied me with this information. They do not have a legal right to ask me to pay any bill that was not initiated by contract between this company and XXXX XXXX. It has been more than thirty days since my request.