davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-10
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. (IA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-28
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: BARCLAYS BANK DELAWARE (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Consumer Financial Protection Bureau- cfpd Subject : Dispute of Credit Report Error Dear Sir/Madam , I am writing to dispute an error I found on my XXXX credit report formally. Please, address the following incorrect information. 

The information I am disputing is as follows : Account Name : Barclays Bank Delaware Account Number : XXXX Description of Error : validate fair credit reporting act In accordance with the Fair Credit Reporting Act, the creditor has violated my rights under 15.USC.1681, section 602 - states I have the right to privacy. 
And, 15 USC 1681, section 604a section 2- states a consumer reporting agency can not furnish an account without my written instructions. 
Also, 15.USCS.1666b- a creditor may not treat a payment on a credit card account under an open or closed consumer plan as late for any purpose. 

This information is inaccurate because this account is closed. The continued reporting on my credit report validates my consumer rights. I kindly request that you investigate the matter and correct the error as soon as possible. 

I would appreciate written confirmation once this error has been corrected. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2015-08-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XXXX/XXXX/2015, I utilized the trial membership that Transunion offered for a seven day period. I notified Transunion through email that I am not interested in utilizing there product. I also notified Transunion verbally on XXXX/XXXX/2015 that I am not interested in this product due to information was not reporting accurately or being updated in a timely manner. In which I received email confirmation on XXXX/XXXX/2015 and XXXX/XXXX/2015. That the cancellation was received. on XXXX/XXXX/2015, a charge for XXXX was drafted from my checking account. In which I contacted Transunion on XXXX/XXXX/2015 or XXXX/XXXX/2015 and requested a refund. ( the reason for the delay in noticing this matter is My job transferred and I moved XXXX hours away ) So my focus was on packing and moving. So on XXXX/XXXX/2015 or XXXX/XXXX/2015, I called and spoke with a representative regarding my concerns. The representative stated that the proceeds would be credited back to my account within 5 business days. I contacted Transunion on XXXX/XXXX/2015 regarding the same issue, and the representative ( XXXX? ) was rude, unprofessional, and argumentative. I immediately escalated this matter to a manager. The manager advised me that it takes XXXX days for my proceeds to be refunded and acknowledged that I did submit my cancellation. I advised the manager today is XXXX/XXXX/2015, I believe the 30 day window has passed. The manager stated that I should contact my bank, I advised the manager that I will be filing a complaint, because it not the issue of XXXX, its the matter of me complying with the terms and conditions of the trial period and Transunion took it upon themselves to take money out of my checking account after it was communicated in writing that no authorization has been granted to take money out of my account. Also that Transunion acknowledged the cancellation and proceeded to withdraw proceeds out of my account. This is not a banking issue, this is just wrong.
Consumer complaint received 2015-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (FL)

I had a situation where a tree fell on my house it was paid by the insurance all of the debt and they are still saying that I owe XXXX when I do n't owe anything this was a year ago I have contacted them recently because no one reached out o me and told me that I had a balance when it was told to me that it would be paid in full by the insurance. Even when I called them to confirm because they where saying it would n't be.
Consumer complaint received 2024-08-27
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SECURITY FINANCE CORP (GA)

I cosigned with my nephew on XX/XX/XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX. Months later, I don't exactly when, but he starts having financial hardship where he couldn't pay. The car was eventually repossessed on XX/XX/XXXX. 
I received a letter from the XXXX XXXX Court of on XX/XX/XXXX about the car. I went and retrieved the summons on XX/XX/XXXX. I went and filed an answer to it on XX/XX/XXXX. When I filed the answer, I thought that they were asking for XXXX. I offered the half of that which is XXXX, I explained to that I would like to make a settlement offer of the XXXX. Thats when I found out the actual amount was XXXX, she then and explained to me all the charges and she told me that she could not accept XXXX for a settlement. She stated that she could take XXXX out the door in full no payment arrangements. I then stated that I didn't have that in full and could get the in an email about my offer and her denial of the offer and she stated that she could not do an email on this matter. Thats when I asked her for her name for my notes. I was previously advised from a lawyer that I needed to keep a paper trail, emails, just in case this do go to court. I feel that being that she denied emailing me concerning the situation on the car that was very unprofessional. It makes me feel that when we do get to, they will fabricate there story as if I never tried to resolve this matter in any kind of way. Like I explained to them this is my first time going through something like this. I was hoping not to get taking advantage of and cheated out of this situation, that's what's going on being denied not to email about this. So, what I want to know is this proper protocol for a company to do? Please contact concerning this situation.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (LA)

I have made multiple attempts in order to get a XXXX XXXX account off of my credit report because I have no knowledge or part in creating one. I told them that it is possible someone may have opened an account in my name because I did lose 2 of my SSN cards & they said it was me because the store is within so many miles of my home when I know I havent opened any accounts. Ive tried multiple attempts and now I am ready to report against Experian.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (ME)

Barclay cards. XXXX 2016 I consolidated XXXX credit card payments with the help of XXXX, with all parties agreeable to the terms. Payments have been automatically generated every month. Barclay starts charging late fees ( they changed the amount due ) There was never a late payment. I called and thought we had it settled a couple of weeks ago even with the communication barrier only to find that there was no changes made to my account to bring it current. I have never been late on my credits cards ever. Called again last week ( XXXX ) and was assured it would be fixed. It is not fixed and they have inactivated my access to my account online and am currently being charged late fees as well as staying in arrears for 2 consecutive months now. Have spent numerous hours on phone in attempts to rectify this with challenging language barriers. Customer support is not worth the time invested in the phone call. Emails go unacknowledged. Access to account cut off. Please help. Thanks.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am filing this complaint against Bank of America regarding their repeated denial of my chargeback claim for unauthorized transactions totaling {$5700.00}, associated with Claim Number XXXX. Despite multiple communications and requests for a thorough investigation, Bank of America has unjustly denied my claim, alleging that the transactions were authorized without providing adequate documentation or evidence to support this assertion. 

Background of the Issue : On or around XX/XX/year>, I discovered multiple unauthorized transactions on my debit card totaling {$5700.00}. 
I immediately filed a dispute with Bank of America for these transactions, claiming they were unauthorized. 
After my initial claim, Bank of America denied it, stating that the charges were either authorized by me or by someone who had my permission to use the account. 
I requested a re-evaluation of the claim, but despite further communication and my insistence that these charges were unauthorized, Bank of America continues to deny my claim without presenting sufficient documentation or evidence to justify their decision. 
Violations of Regulation XXXX : According to the Electronic Fund Transfer Act ( XXXX ), banks are required to conduct a reasonable investigation before denying a chargeback claim. Based on the bank 's response, it appears that : No thorough investigation was conducted : Bank of America has not provided documentation or proof to support their conclusion that the transactions were authorized. 
No verification with the merchant : I believe Bank of America failed to contact the merchants involved to verify whether these transactions were indeed authorized by me or not. 
Lack of evidence : The bank has not supplied any evidence or reasonable justification that aligns with the unauthorized transactions or my account history. 
Request for CFPB Intervention : I believe that Bank of America has failed to comply with their legal obligations under Regulation XXXX, particularly their duty to perform a thorough and reasonable investigation. I am requesting the following actions from the CFPB : A full review of Bank of Americas investigation process related to Claim Number XXXX. 
A requirement that Bank of America provide documentation and proof of the investigation they claim to have conducted. 
An immediate reversal of the denial and refund of the unauthorized transactions totaling {$5700.00}. 
This ongoing issue has caused me significant distress, and I would appreciate any assistance the CFPB can provide in ensuring that Bank of America upholds its responsibility under the law. 

Thank you for your attention to this matter. I look forward to your response.
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alpine Credit, Inc (CO)

This letter is being sent to you in response to the above reference account that Alpine Credit INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Alpine Credit INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Alpine credit INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Consumer complaint received 2016-01-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MD)

I had contacted the Justice Dept about this http : XXXX and since I was n't currently in the Military they told me to contact you on this site to see if there was anything else that was done for anyone who " Tried to work with their Mortgage company/bank but went into foreclosure because they could n't get in touch with them. I was dealing with GMAC at the time ( 2008 ) and needed to put a couple payments in the rear in order to take care of my daughter but ended up going into forclosure. We tried to ask for a short sale as well but no response. The Justice dept just thought if there was anything I could look into it would be your dept?? Just thought I 'd ask around. Here is XXXX email from 2008. 
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2008 XXXX To : XXXX XXXX Subject : Ref Loan # XXXX Your File # XXXX XXXX, I got your email address from your company website so if I should be speaking to someone else please let me know. 
This is XXXX XXXX of XXXX XXXX XXXX, XXXX Md XXXX I have been trying " unsuccessfully '' to get in touch with GMAC Mortgage about my Loan. As of today, I 've called XXXX XXXX and XXXX XXXX at XXXX and left her numerous messages. She use to call me back in the very beginning but now I ca n't get in touch with her or anyone. 
I 've sat on the phone for over XXXX, XXXX, XXXX, XXXX, etc..etc ... Noone ever answers and I need help .... 
When I talked to XXXX XXXX back in the XXXX she approved me going through a " shortsale '' process and we 've had XXXX some people look at our house. The price was lowered XXXX and it is still sitting even though XXXX people have come back 3 and 4 times noone has put an offer on it. 
My Realtor XXXX XXXX in XXXX Md, wanted me to find out if there was any way you could help me get in touch with GMAC? I moved my family out into a rental home a mile away and our new address is XXXX XXXX XXXX. XXXX Md, XXXX ... My cell phone is XXXX. I can be contacted on that after XXXX everyday. My wife XXXX can also be contacted at XXXX anytime during the day. 
We are trying to be " Proactive '' but we just ca n't get in touch with ANYONE at GMAC. 
I know they 're swamped but if you can give us any advice, please do ... 
We were even trying to see if GMAC would do a " Cash for Keys '' if that is possible? My home is in beautiful condition as well. 
My Realtor thinks it could sell at anytime but we just need alittle more time. The XXXX was turned off at the home though so I would hope GMAC would want to get that turned back on so the pipes do n't freeze. 
Please, Please, Please call or write me at your earliest convenience ....
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX XXXX $ XXXX Speedy cash XXXX XXXXXXXX {$350.00} XXXX ordnance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX5 U.S. Code 1681c2 - Block of information resulting from identity theft 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Equifax Credit Bureau three times. And I received investigation results letter by mail and Equifax still refused to deleted inaccurate off my credit report.
Consumer complaint received 2015-08-25
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION (VA)

I received an email from XXXX XXXX XXXX demanding payment for a loan and threatening legal action. Also my social security number, informing my employer, and I have to contact them immediately or else! I received the email at XX/XX/XXXX ... .in addition I have never had ANY association with this company or payday loans. This is after they have already been cited for these practices and been ordered to pay millions because of this in XX/XX/XXXX! This is XX/XX/XXXX. I refuse to contact the company because I wo n't give them ANY personal information.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I have been trying to get Chexsystems to remove fraudulent inquiries from my report for accounts I did not open. Each time I submit a dispute, it comes back verified despite me stating that it was the result of Identity Theft. Of course, if SOMEONE else applied for accounts in my name the inquiry did indeed occur, but not by me. 

I have submitted my reports stating that I did not myself apply for these accounts and submitted an FTC report, they are stonewalling me. They lose my affidavit, but then tell me to get it signed by a police XXXX. The first time I called, it was said to get the FTC report, and that a police signature was not needed. Each time I try, it's something new to stall the removal of inquiries I did not make. Each time I get different hoops to jump through that the previous person did not suggest or make clear.
Consumer complaint received 2016-03-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: URS Holding, LLC (NJ)

On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX