davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/XXXX I have noticed fraud inquiries on my credit profile below is a list of fraud inquiries Top Inquiries Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to two years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America reported to the credit bureaus that I missed a payment on my auto loan. My credit score went down. I contacted Bank of America and they confirmed that I did not have any missed payments. I asked them to dispute the credit report and they took 30 days to respond back and say that the investigation is completed and we reviewed your payment history and agree you have not missed any payments. But they failed to resolve the credit reporting issue. I fought to try to get Bank of America to resolve this. I put in disputes with all three credit reports and Bank of America refused to resolve the credit reporting. I sent a demand letter. Finally Bank of America responded but my credit score is still effected by this XXXX up. Bank of America still has not fixed this issue and they have violated the fair credit reporting act. I demand resolution.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC (GA)

On XXXX I received my new card in the mail which needed to be activated. However, I changed my phone number in the interim of receiving the new credit card. I called the company to update my number so that I could activate my card and was advised that I could not activate my card unless it is with the number I put on application. This was after they did their security questions regarding my ss # card # and billing zip code. They told me I needed to send a copy of my cell phone bill to show the number change. I advised them I am not the bill holder of the mobile account but could send them proof via the XXXX app that it was my new number and has my name associated with just that number and was still told no. 

The representative did not give me any other option to use to help validate I was the correct person after I passed all the security questions. This is not good customer service as to how to activate a new card that has my name on it my address and I provided my social security number and everything they asked for. You ran my credit, approved me but now I cant activate the card because they refuse to update my contact information.
Consumer complaint received 2023-06-15
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: GOLDMAN SACHS BANK USA (NY)

As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission APPLE CARD/GS BANK USA XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-01-20
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: Santander Consumer USA Holdings Inc. (CA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. 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. ( SANTANDER CONSUMER USA XXXX )
Consumer complaint received 2019-09-10
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: Bread Financial Holdings, Inc. (TN)

I have received the email screenshot since XXXX. I spent the required XXXX before the XXXX statement but have received no statement credit even after the XXXX statement. No where in the email does it state when my statement credit will be processed. After emailing the company, they said I am to receive points. I was expecting a statement credit. I get no clear answers from the company about this. Please see attached email.
Consumer complaint received 2019-09-09
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. (TX)

The following accounts are fraudulent : XXXX XXXX XXXX {$1700.00} XXXX   XXXX XXXX XXXX {$1600.00} XXXX {$1100.00} XXXX XXXX {$590.00} XXXX   XXXX XXXX {$93.00} XXXX XXXX XXXX XXXX XXXX {$76.00}
Consumer complaint received 2019-09-09
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. (IL)

Hi after going over credit report and disputing debt for validation Transunion refuses to validate the debts were mines. They have flagged the account and just assumed its mines. I need to see sign contracts and agreements
Consumer complaint received 2019-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to clear this collection with XXXX for almost a year now. I do not owe the debt to XXXX XXXX. 

XXXX XXXX XXXX Opened XX/XX/2015 + {$2700.00} Original creditor : XXXX XXXX
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid my capital one credit card on time and I gave documentation to confirm that it must have been an mistake made in the crediting of my account. I would like my credit report to reflect that I have been paying my Capital One account on time.
Consumer complaint received 2019-09-09
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. (MA)

I am writing to dispute XXXX XXXX/XXXX XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was involved in both the XXXX & Capital One breach of security on XX/XX/XXXX & XX/XX/XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (CA)

BBT will not allow me to close two of my checking accounts without mailing in a notarized and typed letter. BBT states that they can not close the account when there is an existing balance. There's {$2.00} in one account. I've told them to either mail the amount to me in a check or allow me to pay the money to the bank ( whatever it takes to close the account ). This will be the third month I will be charged {$15.00} for not meeting the minimum requirements for the accounts, but I do not use the accounts anymore because BBT does not have a branch in the state we have moved to. This has been an unnecessary and prolonged headache that should've been resolved months ago. It should not be this difficult to close my own account. I understand wanting a paper trail of accounts that are closed, but you don't need to make the customer type out a letter, find a notary, and mail the notarized letter when it's XX/XX/2019. I can verify my identity and BBT can make their own note of my closed account without inconveniencing me just to make {$15.00} a month on an account I can't close.
Consumer complaint received 2017-09-08
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. (NH)

This is a complaint as per the Equifax data breach occurring from XX/XX/XXXX to XX/XX/XXXX, affecting more than 100 million Americans. I am one of those > 100 million Americans impacted, as per the results from checking [ https : //www.equifaxsecurity2017.comXXXX ]. 

I must now assume all of my incredibly sensitive private information is now available publicly, which fundamentally undermines any sense of trust or safety in the whole of the financial ecosystem.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My loan was transferred this moth from XXXX   XXXX to Loancare LLC. Loancare LLC charges a fee for online payments even during the grace period of the loan. There should never be a penalty or fee if payment is made during the grace period.
Consumer complaint received 2019-09-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/19 around XXXX I used PayPal to pay someone for football tickets to an XXXX XXXX game and the merchant was a scammer so I immediately cancelled the payments no longer than 5 minutes after sending the payments and PayPal still allowed the payments to go through. After I cancelled the payments on their website, I called their customer service line right after and the representative told me that they could not refund me my money even though the website said it was cancelled and the transactions are still pending today. If the transactions are still pending, how is it that the money was withdrawn from my account immediately?
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

Last year, my loan was transferred to Rushmore Loan Management for servicing. At that time, my loan was already seriously past due. On XX/XX/2019, I submitted my first request for modification. After consideration, my request was denied based on their determination that my > {$5000.00} monthly income was insufficient to support a mortgage and other existing debt. My failure to provide a deposit towards the arrears was also sighted as a reason for denial. 

Now, I am on a pre-foreclosure list and everyone in my family is receiving unsolicited mail, text messages, and phone calls about filing bankruptcy and/or fire sales. Besides the fact that this is my home of 15 years and I want to live the rest of my days here, moving is really not a reasonable option for me because I am a single parent, struggling to support XXXX XXXX  child in XXXX and XXXX child with XXXX and XXXX XXXX who is living with me and attending XXXX XXXX in the only town he has ever known. In addition, I myself am XXXX and XXXX  XXXX and just underwent major XXXX which left me unable to XXXX  independently. 

I did explore the possibility of refinancing with another lender but I have been advised that it is not an option for me due to my current arrears and the existence of a second mortgage lien against the property. 

With filing bankruptcy being my only other option to keep my home, I did re-apply for a modification again on XX/XX/2019. It is my understanding that mortgage companies are supposed to work with families to develop a modification plan to help them keep their homes and that hasn't been my experience thus far. Since I do not know what the outcome will be of my most recent application and I am so close to foreclosure, I feel the need to better understand the company 's modification process and why, if it so happens that I am denied again, I would not be given the opportunity to at least make trial payments prior to sending me into foreclosure, especially where I do, in fact, have a stable income sufficient to pay a reasonable mortgage.
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have been trying to see if I was able to successfully freeze my credit score with Experian and XXXX and have not been able to reach a representative on the phone with XXXX. At Experian they are requiring that I physically mail in identify verification information even though I have provided them with my SSN, phone number, name, addresses, email, and Experian account information. I think they are purposefully making it difficult to access my credit score freeze status so that I am forced to upgrade my account which has no information about credit freeze status.
Consumer complaint received 2018-01-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MI)

I had applied for a loan of {$800.00} with Big Picture Loans on XXXX XXXX of 2017. I was given a astoundingly diffrent pay back amount. The amount was deposited into my account. Soon after I was informed that I would be paying XXXX a month for a year. This is over 200 % the money I had borrowed. It is criminal. I am XXXX and they know this. It is over a 1/3 of my income with a family to take care of. I have already played XXXX. I was misinformed from the beginning. I have called and been hung up on time and time again. I am in such disbelief. Please help!!!
Consumer complaint received 2019-09-10
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: EQUIFAX, INC. (KY)

I have asked for the method of verification used, as there is an item being grossly mis-reported on my credit report. I did not purchase a vehicle using a leasing company, and have proof of direct purchase from the dealership, directly. I have provided this proof, only to be told that the investigation has been deemed verified by the " debtor '', whom I have no dealings nor contract with. 

How can it be verified then? 


Someone is in violation of FCRA laws, and if this is not corrected, I will be forced to seek litigation. 

Please be advised that I am once again exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX   verification is unacceptable. I am requesting a re- investigation along with your method of verification.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WESTERN UNION COMPANY, THE (FL)

I have a debt collection on my credit report for two years i put multiple disputes in for it and still got no where. I called XXXX XXXX who told me i dont owe western union and sent me a letter to have it taken off and i dont owe them please take off my credit report asap. Case number is XXXX for the dispute i put in may that is still open and its XXXX.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (TX)

I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.