davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

my birthday is fairly close to XXXX, as such i've received XXXX Amex giftcards between XXXX and XXXX, where normally ive been able to add said cards to my digital wallet. that has not been the case with these. inconvenient, but fine because the assumption wass i can just use the card # 's and enter them manually for an online merchant. this is not the case. the merchant will pre authorize an amount ( an amount that never drops off ) and decline the purchase asking me to contact my issuer. Ive contacted Amex XXXX times about the inability to add the cards to XXXX XXXX, the pre authorizations that dont drop off even after 30 days, and being unable to use the card at online merchants that accept AMEX. Each time their solution has been to " keep trying ''
Consumer complaint received 2023-10-04
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================================ 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I received checks with my name and ( former ) address on them from FNBO via Deluxe. I have never used this bank nor did I request any checks. I also received a letter from the bank stating that they placed my account on hold due to suspected fraud. I called and they said that an account was opened with my personal information on XX/XX/2023 but that since hearing from me they would be sure to close the account.
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I asked Santander to lower my payments and the 11 % plus interest rate on my auto loan due to a temporary COVID19 financial difficulty. They said they would have already granted me a temporary payment deferment. I also asked for a lower interest rate as the 11 % interest rate for a 2017 used vehicle seemed predatory and discriminatory. The representative became combative and defensive and accusatory ; rather than showing empathy and understanding during the present economy when a loss of income is serious and definitely unsigned up for ; especially since I have made payments for over half of the loan term and am attempting to pay the payments and am almost finished with the loan term. They are constantly saying they will call the loan term due or repossess the vehicle ; rather than trying to work with me to have suitable terms to pay the loan in full.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (TX)

Per the ( Privacy Act of 1974  ) need this account to be deleted immediately from all 3 credit bureaus ( XXXX, XXXX, XXXX ) that are reporting this to my credit! I have never given any written or any other consent for this company to report anything to my credit or for my information to be sold. ( 15 USC 1681B ) According to Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Consumer complaint received 2024-07-26
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. (PA)

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 2023-12-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX Chexsystems, etc. This has negatively affected the consumers ability to attain credit and services for XXXX family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

XXXX NOT CLOSE THIS DISPUTE AS IT HAS NEW MATERIAL INFORMATION TO THE ERRONEOUS INFORMATION XXXX Dear Sir/Madam, I am writing in regards to my previous correspondence on XX/XX/2023 ( CFPB Case Number : XXXX ) and the attached insurance documentation. It appears there is still incorrect information being reported on my account that does not comply with the Fair Credit Reporting Act ( FCRA ). The XXXX insurance certificate provided clearly shows continuous insurance coverage effective XX/XX/2023 through the cancellation date of XX/XX/2023. As explained previously, this policy was temporarily bound just to close and fund the loan. However, your records continue to show a lapse in coverage from XX/XX/XXXX to XX/XX/2023 and that lender-placed insurance was necessary. This is incorrect. Moreover, I never received any information in writing that I was late in payments. As required by the FCRA, you are obligated to report accurate and complete information. The attached documentation proves there was no lapse in insurance coverage in XXXX 2023. Therefore, I am requesting you immediately update your records and credit reporting to reflect continuous insurance coverage, remove any lender-placed insurance charges and associated payment increases, as well as delete any derogatory credit reporting for the months in question. Please confirm in writing once these corrections have been made and provide an updated credit report verifying the inaccurate information has been fixed. If these issues are not resolved quickly, I will have no choice but to file a formal dispute under the FCRA and seek further legal remedies available to me under law. Thank you for your prompt attention to this urgent matter. 

ATTACHMENTS XXXX CFPB Final Response ( 1 ) .pdf ( 199.3 KB ) XXXX - COVERAGE.pdf ( 88.2 KB ) Hide ful
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I applied for a loan on XX/XX/ as a personal Loan to assist my grandson with his debt. 
I have NO debt to my name except my Rental income. I am retired and I have income of over XXXX a month and my rent is XXXX a month. I am XXXX XXXX XXXX and a widow. I was declined for Debt to Income Ratio. 

Now I currently have a CD with this bank of over XXXX a Savings account of over XXXX. I own my vehicles and have perfect credit. The Bank has given me a XXXX with XXXX limit and a Overdraft Line of credit limit of XXXX. They both have a XXXX balance and I have barely used them if ever. They couldnt approve me for a loan? The only way they did say they would approve me was if I did it as a secured debt off off my CD amount ( which is up in 13 months ) but the loan had to be Paid in Full before it expired. Or they would take the money from the account. So the only way they would approve me is if it was SECURED? Now the girl who called to verify the loan data aske4d me about my retirements age and time since retired 3 times. 

I feel this is a clear violation of age discrimination. There is no other reason that the decline makes sense unless they had the money secured,
Consumer complaint received 2023-12-23
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: Experian Information Solutions Inc. (AL)

I submitted an online dispute with Experian on XX/XX/2023 Concerning XXXX XXXX XXXX XX/XX/2023 i received an email stating that the account was CERTIFIED AND NO CHANGE WAS MADE TO MY ACCOUNT. After refreshing my consumer eport this account is still showing inaccuracies and incomplete erroneous information. have also submitted a previous complaint concerning US DEPT ED and I have yet to receive how Experian verified either account. I clearly asked for both. These accounts still have several incomplete, inaccurate and erroneous information. Experian has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month : with incomplete, inaccurate and erroneous information : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are incomplete erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts removed permanently from my consumer report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX ; XXXX XXXX The Agent for principal XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. On XX/XX/XXXX. An unknown employee of American Express has continued to report negative information onto my consumer report. Dating back to XX/XX/XXXX a CFPB complaint was submitted for the same harassment complaint number XXXX. The repeated negative report today says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data ''. PLEASE BE ADVISED. I AM AWARE THIS IS EXTORTION. If you disagree and feel this is not extortion. Please provide proof that gives you the right to report NEGATIVE information onto the consumer credit report. Also, please explain in detail what is the true purpose and reason for reporting NEGATIVE information onto the consumer report, when knowing the negative information reported will damage the reputation of the consumer with other " Creditors ''. I am requesting for lawful proof stating that NEGATIVE information can be reported. Not your companies policy saying you have to report NEGATIVE information, but the law.
Consumer complaint received 2023-10-04
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. (MD)

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 2024-07-26
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. (IN)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2023-12-23
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC. (ID)

Purchased a new XXXX  in XXXX had been paying on it for about a year and a half possibly a little more then was having some difficulty paying from time to time then sought relief under the SCRA act because my son who is on the loan with me joined the XXXX and left home about 3 or 4 months after we bought it. Around XXXX or XXXX of XXXX I was trying to keep up on payments I believe I made a payment in XXXX of XXXX and was working on getting the account current when the finance company decided to charge the off and in doing so never notified me I still maintained full coverage insurance on the vehicle but tragically my wife was involved in an accident and it was declared a total loss. None of the airbags deployed and it was equipped with seven of them. My insurance company wanted to take the vehicle and and offer a payout that wasn't even enough to pay it off. They called the finance company without my knowledge to see if they would accept the offer. I told the finance company not to accept it just yet because I wanted the vehicle to be inspected by someone from the maker XXXX or from the dealership which neither one of them have contacted me and I've called them several times even opened up a investigation and have been to the dealership 4 times and still nothing the XXXX remains in my driveway awaiting for inspection but still nothing has been done. It has been 9 months and I can not believe this is how we are being treated. Please help
Consumer complaint received 2023-12-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld system began in reporting on my credit XX/XX/23. I have never signed agreement form with this company Im not aware of who they are. I mailed a debt validation letter to this company, and they have yet to validate the debt. They were removed from my XXXX report back in XXXX or XXXX because they could not validate my debt. On XX/XX/XXXX I was made aware they were reporting on my credit XX/XX/XXXX of this year. I have not open any credit nor have I agreed to any new services with this company or any other company.
Consumer complaint received 2023-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank A XXXX XXXX When I entered a 2-year consumer lending loan ( {$4300.00} ) deal with Synchrony Bank on XX/XX/XXXX, I wasnt aware that the loan wasnt designed to be paid off monthly in two years ( similar to XXXX XXXX purchase ). I received a very short email from Synchrony Bank monthly for two years notifying me that the payment was paid by automatic withdraw from my other bank account. To my surprise, the loan amount increased from {$1900.00} in XX/XX/XXXX to {$4200.00} in XX/XX/XXXX. I am horrified to learn that Synchrony Bank enticed me to a loan with 29.99 % annual deferred interest if there was any unpaid amount at the end of two-year deal. 

If Synchrony Bank would send me an apparent notification stating that the loan would incur an interest charge of {$2400.00} in XXXX, XXXX, I would have chosen to pay off the loan. Instead, Synchrony Bank sent me a short email just like in the past two year notifying me the automatic withdraw. I wouldnt know I had to pay almost 60 % more of my loan amount unless I spent time to open the statement on the banks website. As a XXXX trying to manage my life, I am too busy to check the statement in detail. Without any grace period, Synchrony Bank utilizes this type of business tactics to prey on citizens like me with astronomical 29.99 % annual deferred interest. I urge the governing authority to investigate how many citizens are abused by the financial XXXX like Synchrony Bank. I called the bank right away, trying to find a resolution to pay off the loan with a reasonable interest rate, but the three representatives ( XXXX, XXXX XXXX, XXXX XXXX ) that I spoke to unsympathetically declined my request. 

There are many illegal financial scams in the States. However, how could the U.S. government allow an institution like Synchrony Bank to run a legal financial scam with such a high interest rate? Please STOP Synchrony Banks financial abuse to the law-abiding citizens who worked so hard to support themselves and their family.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

In XX/XX/XXXX I had assistance in applying for a modification, I was approved for trial modification XX/XX/XXXX and payment were to start on XXXX XXXX thru XX/XX/XXXX. I made all my payment on time every month. My last payment was not accepted by XXXX  they stated that due to title they weren't able to finalize my modification. My advocate called XXXX  and they had advised her that that due to title issue they were not able to give me the XXXX  agreement. I was not informed of this by mail as they claim that a letter was sent to XXXX  which i never received. There is nothing on my title that is derogatory that would stop them from giving me my XXXX  modification. My husband XXXX XXXX passed away XX/XX/XXXX. Which the deed reads XXXX XXXX and XXXX XXXX XXXX, XXXX  wife in title. When XXXX people take title as husband and wife they are immediately considered XXXX XXXX XXXX XXXX XXXX XXXX. As soon as XXXX person dies, the entire property gets left to the other person in " tenants by the entirety '' XXXX passed away XXXX, which leaves the entire property to XXXX automatically with no need for probate. This has been confirmed with the XXXX  XXXX  and multiples attorney. I just want to move forward keep my home  and continue to make my mortgage payments as agreed in the trial modification.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.