davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THESE XXXX  SENT ME AN EMAIL WITH A " PASSWORD '' ON IT WITHOUT EVEN MAKING SURE i WOULD BE AVAILABLE TO GET IT. THAT IS SO IRRESPONSIBLE AND DANGEROUS. 

I ALSO DID USE THAT TO LOG IN AND CHANGE MY PASSWORD. 

BUT AFTER DOING SO, I STILL GOT THE SAME MESSAGE -- THAT MY " INFO ON MY CREDIT REPORT WAS UNAVAILABLE RIGHT NOW '' THERE IS NO INFO, JUST THAT STUPID PAGE THAT DOES NOTHING, SAYS NOTHING. WHY CAN'T THESE PEOPLE LET ME LOG IN WITH THE PASSWORD I CHANGED IT TO? 
I LOGGED IN BUT IT IS STILL THE SAME OUT OF SERVICE TYPE XXXX. THIS IS RIDICULOUS. 
AND TO MAKE MATTERS WORSE, IN MY OPINION, THEY TELL YOU TO USE SOCIAL MEDIA HOW IN THE NAME OF XXXX CAN ANYONE DO THAT WITH YOUR CREDIT REPORT? THIS I DO NOT UNDERSTAND THAT IS NUTS I DON'T UNDERSTAND IT. IF YOU AREE GOING TO HELP, PLEASE HELP. I WAS GLAD TO ADD THIS ONTO THE PREVIOUS COMPLAINT AGAINST TU BUT YOU FOLKS JUST CLOSE UP EVERYTHING LIKE IT IS ALL FIXED. IF YOU CAN'T GETG THESE PEOPLE TO DO ANYTHING, COMPLAIN TO OUR ALLIES IN CONGRESS. PEOPLE HAVE A RIGHT TO KNOW WHAT KIND OF THINGS THESE COMPANIES ARE SAYING ABOUT US AND NOT FOR THEM TO BE FAST AND LOOSE WITH THE FACTS AND OUR PRIVATE INFO.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

PLEASE TAKE THIS OFF MY CREDIT REPORT THIS IS MY PROOF!!!!!!!!!!!!!! 
XXXX XXXX MY LIMIT IS {$500.00} XXXX PAYED XXXX ON MY ACCOUNT THAY SAID I OWN THEM {$10.00} THIS IS SO PETTY THIS CAUSE MY CREDIT TO DROP OFF XXXX POINTS I AM PROVING THAT NOT TRUE SENDING IN MY PAYMENT STATEMENT THIS IS SO SAID TO LET THIS CARD COMPANY RUINED MY CREDIT NOW TO NATIONL CREDIT Adjusters this is from THE YEAR 2017 THIS HAS BEEN ON MY CREDIT FOR XXXX WHY DO XXXX XXXX XXXX XXXX TRANSUNION XXXX HAVE SENT THIS RECEIPT IN TO THEM XXXX  TIMES I KNOW WHY THAY KEEP PUTTING THIS OLD CHARGES ON MY CREDIT TO MAKE ME PAY MORE FOR CONSUMER GOODS I PAY MORE FOR MY CAR MY HOUSE MY CAR IS MY HOUSE MY CREDIT IS SO BAD THAT I AM HOMELESS BECAUSE OF THIS TAKE THIS OLD XXXX OFF MY CREDIT REPORT NOW!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/scrub>XXXX XXXX XXXX I deposited a check that was made out to my uncle for a title loan, and everything was fine till the check was put on hold. So two days ( XXXX ) before the release which is ( XXXX ) my Chase account was restricted. So I called multiple times and got the check verified with my uncle, and even got it verified with that place that gave me the check. But for some reason the name on the check is different from the XXXX XXXX loans place. The check was under XXXXXXXX XXXX XXXXXXXX, it has a verification number on the check but for some reason they cant seem to verify it, Ive given chase bank every single number I can find that will link that check to the XXXX XXXX XXXX  but yet no number pops up in their system. So now my check is in limbo I cant withdraw it or use it just because they cant verify the check with numbers I provided. And they have also given me 10 days to settle if not they will close my account.
Consumer complaint received 2024-08-27
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. (NY)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-09-05
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: LEXISNEXIS (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, XXXX XXXX XXXX XXXX writing to dispute a debt that your agency is attempting to collect on behalf of XXXX XXXX XXXX XXXX XXXX I am requesting validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the debt, as provided to me by your agency, are as follows : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Account Number : XXXX XXXX : {$3600.00} Date of Debt : XXXX I am requesting that your agency provide me with the following information : 1. Verification of the debt, including the original creditor 's name and address.

2. Verification of the amount owed, including an itemized breakdown of any fees or charges.

3. Proof that the statute of limitations on this debt has not expired.

4. Proof that your agency is licensed to collect debts in my state. Please provide proof of ownership of the debt. 

5.Proof of authority to collect this debt in the state of Florida.

6.Please produce a copy of your insurance in bond in the state of Florida.

7.Please provide proof of how your company assess this debt.

8.Please provide credit history.

9.Proof of the original contract bearing my signature.

10.Please provide chain of title.

11.Does this company own the debt or is it a signed contract.

12.Please provide all letter correspondence sent to me regarding this debt.

13.Please provide last payment date on this debt.

I am also requesting that all collection activities be ceased until the debt has been validated. 

Please provide this information to me in writing within 30 days of receiving this letter. Failure to comply with this request may result in legal action being taken against your agency. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

I had previously filed against this Bank but there was misinformation that I recently became aware of ; The original complaint was that the bank mishandled a refund from XXXX but I've since discovered that they opened their own fraud complaint, misrepresented that XXXX was the one who took the money which involved a an investigation from the Arizona attorney general 's office, and then harassed me with reporting my debit card stolen and finally taking an additional {$120.00} from my account meanwhile they had refused multiple requests to file a fraud complaint on the transaction that occurred on XX/XX/XXXX, which was an action by the bank not XXXX, as they represented, and to take an additional {$120.00} from my account several weeks later by the XXXX of the fraud department in order to settle this dispute! 
Again that can't stress enough they refused to take the fraud complaint on the end transaction that occurred on XX/XX/XXXX and it is on this complaint that I am refiling. 
I'm refiling based on the refusal to take a fraud complaint regarding the XX/XX/XXXX transaction and the secondary complaint when they took in the additional {$120.00} for my account by the XXXX of the fraud department that's punishment for filing the original complaint. 
I'm not at all satisfied with the results ofthe previous case I had received a {$120.00} refund from XXXX, I called the bank to confirm it was XXXX, p they apparently decided that this was fraud and they took the {$120.00}! When I tried to file a fraud complaint about it they Refused. I kept calling so in retaliation they reported my debit card STOLEN. They finally mailed me a replacement debit card that had been CANCELED by them. I finally got a hold of the fraud XXXX who DEDUCTED ANOTHER {$120.00} from my account putting me overdrawn. It took about a week to get the {$240.00} back and I received a letter that the money was replaced with no apologies. 
Understand I've been without that money for XXXX weeks and with no access to ANY of my funds for several weeks. I live XXXX miles from the nearest bank, alone, XXXX, in a XXXX XXXX and it cost me {$65.00} to get someone to take me to the bank to get a temporary debit card. I've since closed the account but I'm seeking substantial compensation to be fair.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I have sent numerous debt validation notices TO THS COMPANY BECAUSE I BELIEVE THIS ACCOUNT IS NOT MINE and never received a response back from this COLLECTION COMPANY. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to respond and not attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which violates the FCRA. 

I request that the creditor remove this account from my credit since they violated my rights under the FDCPA by continuing to report and attempting to collect
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

Citibank reported information and accurate on my credit report, causing me a financial hardship after the investigation proven that I was a victim. They still verifying the debt as current after I notified them. They literally kept the debt validation with the credit rules and I sent letters that they sent me and the credit bill still reporting that Citibank is verifying the debt accurate. And after the statue of liberation, they passed the statue and they still trying to collect
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc. (IN)

I lost my home and car after loosing my job I fell on hard times and had to move myself and XXXX  small children in with my XXXX  and his XXXX. Which Im not sure how they found the car when I never gave them the address. I asked for more time to come up with the money to pay the car note but when I was on my way to pay them the car and been repossessed with me and my kids belongings in it. The repo guy wouldnt allow me to get anything out of the car so my purse my kids car seats etc was in the car and when I went to pay the money it had been sold at auction the next day and none of my belongings were recovered.
Consumer complaint received 2024-11-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (ID)

Charged me late fees, paper statement fees, and interest without my knowledge. I set an amount needed to pay off the loan monthly and never missed until they imposed a paper statement charge on me and changed the amount due leading to late fees, paper statement charges and interest. They reversed the late fees and paper billing fees but not the interest fees associated with the wrong doing. Now they refuse to remove interest. It really isnt much, but is concerning that theyre taking advantage of consumers.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

My mortgage is through bank of america. I also pay pmi which as of XX/XX/XXXX2016 it is suppose to be automatically terminated. Bu I still paid it on the XXXX statement and has not been scheduled to come off for XXXX Ive called BofA to make them automatically terminate but they give the usual generic answer about reviewing the loan. I originally financed through XXXX Bank and BofA bought the loan and on my loan docs it says by amortization schedule on XXXX XXXX, 2016 it is AUTOMATIC TERMINATION if current on payment and are at 78 % on ORIGINAL property value. PMI is XXXX per month and believe I should be refunded ( and not have it added to escrow ) for XXXX 2016 payment plus have it removed permanently. They are currently in breach of a legal binding contract.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

I opened my account in XXXX  and had constant overdraft fees that were not my fault. The money was in my account for the amount that was needing to be charged and days or even weeks would go by and the money wouldnt get taken for my bills and then I go and use the money in my account and the next thing I know, Im being charged an overdraft fee for the bills that should have already been paid and went through. I was charged for many many overdraft fees that were the fault navy federal credit union.
Consumer complaint received 2024-08-15
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. (CA)

Dear TransUnion Dispute Department, I am writing to formally dispute a negative item currently reporting on my TransUnion credit report. This negative account does not belong to me, and I believe it was fraudulently reported due to identity theft.

Pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be blocked from my credit report as the result of identity theft. FCRA Section 605C entitles me to have all information related to this fraudulent item blocked from my credit report once I provide proof that the debt is the result of identity theft. 

Disputed Account Details : Account Name : DEPT OF THE TREASURY Amount : {$1400.00} Date Reported : XXXX. XXXX, XXXX  Enclosures for Verification : Action Requested : Under FCRA Section 605C, I formally request that TransUnion immediately block this fraudulent account from my credit report and ensure that it is no longer reported by any data furnishers. Please conduct a thorough investigation and remove this account permanently from my file.

Additionally, I request that I be notified in writing once this item has been removed and receive a new copy of my credit report reflecting these changes.

I trust you will handle this matter with urgency and respect for my rights under the FCRA. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
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. (MS)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I Did not Authorize for any Companies on my Consumer Credit Reports to report any information to Any Credit Bureaus. According to The Credit Fair Reporting Act FCRA Section 605B It is illegal to report information on my credit report without my permission. Please remove These items from my Credit ReportsTHANK YOU.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX transferred my loan to XXXX yet has not reported this transfer to the credit reporting agencies. This has resulted in my credit report with TransUnion showing both my balance with XXXX, and my balance with XXXX XXXX XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-21
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. (MA)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report XXXX Dear XXXX XXXX XXXX completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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. 

Collection : XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX {$1600.00} Repossession : XXXX XXXX {$22000.00}
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a debt listed XXXX  on my credit report. It's under the original creditor and the collection agency it was sold to. Both still have a balance. The original creditor balance is supposed to be {$0.00} but it still shows the same balance. I submitted multiple disputes with both Experian and XXXX. I think the practice of relying on computers is preventing this from being fixed. They think I'm disputing the debt but I'm not. I'm disputing the balance of the original creditor. 
Both the original creditor and the collection can't both have a balance, I can only owe XXXX of them.
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I got behind on payments. In an effort to keep the account I made arrangements to pay XXXX a month. I didnt know that {$40.00} goes to late fees {$100.00} goes to interest and nothing goes towards principal at this rate, Ill never get out of debt and Ill be paying on this card for all eternity. Is this even legal.?
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Subject : Urgent Request to Correct Address and Name Information Dear Consumer Financial Protection Bureau, I am writing to urgently address an issue regarding inaccurate information on my credit profile. Despite my previous efforts to rectify the situation by contacting the credit bureaus, the necessary actions have not been taken. 

As a consumer, I am aware of the laws that safeguard my right to have accurate information on my credit report. Specifically, I am concerned about the reporting of an incorrect address and name that does not align with my actual details. 

I kindly request your assistance in resolving this matter promptly. Your intervention would greatly help in ensuring that my credit profile accurately reflects my personal information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX