davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
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: CL Holdings LLC (FL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Jefferson Capital LL Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-12
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. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 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. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Update to Open/Never late XXXX. XXXX5 U.S. CODE 1692e - False or misleading representations XXXX  XXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (VA)

My information has been entered in a data breach so thats when I instantly noticed there was something ins my credit that I did not authorize nor was I was aware of. There are multiple inquires in my credit report I know I did not do and a few accounts that dont belong to me.
Consumer complaint received 2024-08-12
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. (NV)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (NC)

In XXXX of XXXX I contacted Exeter Finance and let them know I would be XXXX in XX/XX/XXXX to request SCRA XXXX XXXX. The representative let me know to send in my XXXX active XXXX paperwork and the request would be processed. She told me to reach back out in 10 days to ensure the request was processed. I asked her to explain the benefits and she let me know the following : 1. Late payments would be reported to the credit bureau if I become late 2. Even if I become more than 90 days late, my vehicle would not be repossessed as part of the SCRA benefit. 3. I was eligible for four deferements as a result of the SCRA benefit. 4. My interest rate would be updated to 6 % and any future payment made would be applied based on the updated interest rate. 5. I would be eligible for the SCRA benefit for 24 months from the application of the benefit to my account. That would be XXXX XXXX to XXXX XXXX. I reached back out to Exeter finance on XX/XX/XXXX and spoke with a representative. She stated that my orders had been received and my request would be processed and I would receive a written notice as well as an email from the SCRA team when the request was completed. The email would be sent to the email address on my account and I confirmed the address. On XX/XX/XXXX, I would injured in duty and was put in a military treatment facility. I was initially released on XX/XX/XXXX. I contacted Exeter Finance on XX/XX/XXXX to inquire because my credit report was saying that I was not 60 days behind on my payment. The representative I spoke with states she did not see any notation that I let anyone know I was XXXX and/or requested SCRA coverages XXXX She also let me know that my vehicle had been picked up and towed and was ready to be auctioned. She stated unless I paid the full remaining balance, there was nothing I could do at that point to stop the sale of the vehicle and that I would be responsible for the remaining balance. I called and spoke with several supervisors at Exeter finance from XX/XX/XXXX to XX/XX/XXXX to plead my case for SCRA benefits, but was denied because my vehicle had already been repossessed. On XX/XX/XXXX, I was reinjured and in a military treatment center until XX/XX/XXXX when I was released from active XXXX duty. I have since contacted Exeter to resolve this matter by phone with no resolution as well as disputing this account my credit report. All of these actions are in direct violation of the SCRA benefits available to me. There was no court order that allowed Exeter to repossess and sell my vehicle. 

I have sent several messages. XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no response. I have called in XXXX, and XX/XX/XXXX and have been unable to receive a response.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

XXXX XXXX has reported negative information on my credit report during a XXXX XXXX XXXX XXXX which caused a XXXX point deduction to my credit score. XXXX XXXX  has continuously reported incorrect information to the Credit Bureaus even though the account is in XXXX XXXX. XXXX XXXX  is reporting to the Credit Bureaus that a " Credit Line '' has been increased. This is false and is not a line of credit but a XXXX XXXX and the only thing that should be reported is an increase in interest. XXXX XXXX  uses deceptive techniques to lure people into programs and does not use competent staff when applying for XXXX  Loans. I now have two XXXX  Loans with XXXX XXXX  due to the negligence and miscalculations of a Financial Aid Staff Member XXXX XXXX XXXXXXXX ). XXXX XXXX  has REFUSED numerous times to release final transcripts due to an unpaid XXXX XXXX XXXX. They have violated my Consumer Rights and I feel this situation needs to be remediated as quickly as possible.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NJ)

Subject : Request to Reopen Closed Account Due to Fraud and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to respectfully request the reopening of my account that was recently closed. Unfortunately, the account was closed because Barclay had automatic payments set up from a restricted account. Due to unforeseen circumstances, I did not realize this issue as I was actively dealing with a serious case of fraud and identity theft at the time. 

As a long-standing and loyal customer, I have always made it a priority to manage my accounts responsibly and ensure timely payments. The disruption caused by the fraud and identity theft severely impacted my ability to monitor my finances during this period. As a result, I was unaware that the payments were not being processed correctly. 

I have since taken all necessary steps to resolve the identity theft and secure my financial accounts. I deeply value my relationship with Barclay and am committed to maintaining my good standing moving forward. 

Given these circumstances and my history as a responsible customer, I kindly ask for your understanding and request that my account be reopened. Please let me know if there is any additional information or documentation you require to facilitate this process. 

Thank you for your consideration and prompt attention to this matter. I look forward to a favorable response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (NJ)

Account Number : XXXX Mohela/Department of Education, I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XX/XX/2014, 120 past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXXXXXX Peace & Love To All Who Read This! 

I applied for a card and got denied. Chase didn't even send me the denial letters. I received an email stating that I had notices on my account, but when you login there's nothing there. No reference number, nothing. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied. 

According to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well. 

Assets of the Issuing Entity The assets of the issuing entity include : credit card receivables arising in certain revolving credit card accounts owned by JPMorgan Chase Bank that meet the eligibility criteria for, and have been designated for, inclusion in the issuing entity ; and funds on deposit in the collection account, the excess funding account, the interest funding account, the principal funding account and the Class C reserve account. 

You may have sold all rights, titles, and interest of the receivables to, but Im the beneficial owner of the original noteholder. You're being paid! Not only that, but you also got the original issue discount ( XXXX ). You're still receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME! 

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in 60 days to be removed.

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 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! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Paypal is still not clear about something XXXX I don't know what that is. The original company already closed that account, but. PayPal still giving the run around. No giving me specific information. Also someone the name XXXX XXXX called me, she said will speak with me about XXXX, but nothing in writing. She also stating that I was not available kinds of playing with me ( I try you once, you didn't answer me ) that fells treating to me. It may be a PayPal account from year ago that I never used it.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Mercedes Benz Financial Services (IL)

XXXX attempted to repossess our vehicle when we returned the vehicle when it was due. We were pressured to sign to a voluntary repossession agreement when the car was returned per the contract date. This pressure came in the form of voicemails and phone calls and in office pressure by sales rep. This completely wrong and the car should have been received and balance due not a repossession. To remedy this issue I need : Voluntary repossession removed from my credit file immediately from all credit bureaus
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

On Monday XX/XX/XXXX, I received an email from XXXX and XXXX that the credit card company submitted a late payment notice for a delinquent account from TD retail card. And according to Section 15 USC 1681 Section 2 this company has violated my legal rights. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2024-08-12
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. (TN)

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 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (NY)

My name is XXXX XXXX. I am a XXXX XXXX, who has a foreclosure auction currently scheduled for XX/XX/XXXX. I am in foreclosure through no fault of my own as my mortgage is invalid. On XX/XX/XXXX, I purchased my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I was given a predatory high-cost loan in violation of NY law and attorney general regulations. On XX/XX/XXXX. US Bank Trust, N.A. took over my loan without realizing that the prior lender had not brought any collections on my promissory not since I stopped paying in XXXX due to my loan being a predatory loan. Under NY law the promissory note and mortgage are VOID, and yet US Bank is trying to foreclosure on XX/XX/XXXX. This is a violation of Attorney General regulations, and it is fraud. I am strapped with household expenses, and I have nowhere to live if I am forced out of my house. I have offered US Bank my life savings so that I can have my son come and live with me due to his illness. I plead with you to help me save my home and stop the foreclosure in XX/XX/XXXX. 


Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I open an account with Bank of America on Friday XX/XX/XXXX they put two holds on my deposit. I was told that if I open a Mobile account that I would have a virtual card and I would have access to my funds as they came available. This has been a complete untruth I have not been able to get a virtual card I've had to go to the bank several times they did not ask me for any ID when I put almost {$10000.00} in their bank but I've had to take my ID up there to prove my identity I've done this I've been having to use XXXX to transfer money so people can put money on my cashapp card just so I can at least use some of my funds now they have conveniently put another hold that could last up to XXXX hours on a fraudulent looking transfer from XXXX I'm tired of this how can a bank take your money and not give you access to it and constantly find reasons to put holds on it? I want to close my account immediately. I should have never trusted Bank of America. I would have been better off dealing with cash app at least I would have access to my funds. BOA ruined me being able to get a car yesterday I've been humiliated I've been in tears the whole time this is the worst experience in my life and I'm dreading going in that bank tomorrow to have to close my account because I know Bank of America is going to tell me that I can't close my account because they're not going to let me because that's obviously in their minds their money I'm disgusted and I'm tired of this I want my money return to me I want them to stop being able to put holds on my account and I want them to justify the stress they put me under. Customer line is useless because every time you call all they say is we can't help you with that we are so sorry ma'am but what else can we do for you today? Really because you did nothing for me except mislead me have me waste my time trying to send a wire telling me that these different ways we're going assist me in to being able to have access to my funds. I just can not believe how much I've been lied to and mislead and all I get is we can't help you we're so sorry you just can't have your money and that's that. That is the complete attitude I get is it oh well too bad I guess it's Bank of America 's money until they decide they'll take mercy on me I waited XXXX years to get this settlement and it's been a complete disaster thanks to Bank of America and all of their lives and all of their deception of what an online account really pertain to you don't get a card and your car 's not activated until you get your hard copy card and guess what that can take anywhere from XXXX to XXXX business days but in the meantime they tell you this great lie about how you can get a virtual card I want this rectified and I'm getting nowhere think of XXXX and it's not the first time they've come under scrutiny so I should have learned my lesson when I had an account with them for 20 years.