davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2023, I reported my account being stolen because someone stole my car that had access to my account because my tablet and phone was in my car, and I had online banking on my tablet. I called 5/3 Bank 's to close the account. They let those people order a debit card and was taking money from my new savings account XXXX dollars at a time They have stolen oner XXXX dollars from me and the bank will not give my money back. I have had to go to the XXXX and see and XXXX  and been admitted in the XXXX XXXXXXXX 3 different times over these issues. I have documents at XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX. I also have legal issues over this now because the police harnessed over that money and i have court verification and documents to prove all of this. I don't have any documents in my possession but i made a police report at 5/3 bank. They closed my account and said they was nothing they could do. I had to buy hotel rooms for 9 months because i didn't have all my money to buy a home.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I reached out to TRANSWORLD for Verification of Debt and only received the FIRST PAGE of a lease agreement and a bill. 

On XX/XX/year> I called TRANSWORLD and asked them to reach out to the Original Creditor for a full copy of the lease/application and the Identification used to apply for the apartment. I was told " NO '' and representatives refused to send me to a Supervisor. 

XXXX XXXX NOT HAVE THE ORIGINAL DOCUMTNTATION OR PROPER IDENTIFICATION TO PROVE DEBT** This account has been removed from most of my credit file in some areas, but remains in other areas. I am distressed that that TRANSWORLD has failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the reports being sent to Credit Agencies. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be REMOVED. 

To date, you still have not fulfilled the intent of the Fair Credit Reporting Act, which requires your bureau, as a consumer reporting agency, to maintain and ensure that information " is fair and equitable to the consumer. '' The law ( 15 U.S.C. Section 1681e ) stipulates that credit bureaus will " ... follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' These requirements have not been met by your actions. You have not given me evidence that you have acted in a prompt or " fair and equitable '' manner, as enumerated below : 1. You have not submitted evidence of investigation by reaching out to the Original Creditor, and have refused to do so.

2. You have not removed any item for which no verification could be found within thirty ( 30 ) days.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it AND the identification and Social Security provided to obtain the residence ) that you have on file for the account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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. 
XXXXXXXX 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

An account was open with out my consent XX/XX/year> in my name with a balance of {$24000.00} I submitted dispute and requested all documents from creditor which I have not received yet this is so unfair to me
Consumer complaint received 2024-07-24
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (TX)

Doing the pandemic I was laid off prior to the unemployment benefits expiring on XX/XX/year>2020. I took out the loan in order to pay rent because I face eviction and I was not able to find a job before my savings ran out. I have been paying on the loans since 2020 in the amount approaching or over {$30000.00} for {$4000.00} loan. I can no longer afford to keep paying the loan because it never decreases the interest is nearly {$700.00} a month and it never goes down or the loan amount will never reduce. I'm stuck in a endless XXXX XXXX  with no hope. Please help me Rectify this situation it is a predatory loan that I needed to keep a roof over my head.
Consumer complaint received 2024-08-17
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: EQUIFAX, INC. (MD)

I was the victim of identity theft. Per FCRA section 605b that the 3 bureaus are required to delete any item listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information in my credit report. 

XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reference # XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-24
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. (NJ)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these are fraudulent accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-24
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. (TX)

Their is a charged off account from XXXX XXXX XXXX XXXX XXXX account number # XXXX in the amount XXXX that should not be reported on my account : it is either another persons with a similar name or identity theft. 

I have maintained a fraud alert on my credit bureau profiles for more then XXXX  years with strict instructions on how to verify me and validate that it is actually I, that is taking out the loans. 
I asked for proof that it was my loan and the lender has failed multiple times to provide it under the rules and regulations outlined for the fair credit bureau reporting process. 

I have filed disputes with all the credit bureaus to remove and block said account.i want them to delete and block the following account from being reported now and or in the future.
Consumer complaint received 2024-07-22
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. (MA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

Somebody opened bank account under my name in XXXX  XXXX XXXX, i recently find out this when try to open new account. and they reporting me to XXXX XXXX  and early warning systems for account abuse and fraud suspicious, i have reached both of them and XXXX  XXXX XXXX and ask them to remove this report from my name since this is not mine and provide them with police report about identity theft, XXXX XXXX  removed it but XXXX  XXXX XXXX and early warning systems refusing to do so. i sent them proof and send them police report but they refusing to delete this information and destroying my life because i cant get account i was decline at the job i need to resolve this im trying to fight this for more then two moth already i need help. 

The details of the disputed information are as follows : - **Name : ** XXXX XXXX - **SSN/Tax ID # : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX - **ID # : XXXX XXXX, **ID Type : ** Driver 's License/USA, **ID State : ** IL - **Alt ID State : ** IL - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** {$940.00} - **Fee Reversal : ** {$0.00} - **Combined Loss & Fee Reversal : ** {$0.00} - **Paid/Unpaid/Settled : ** Paid - **Debt Paid in Full Date : ** XX/XX/XXXX - **Contribution Reason : ** Account Abuse Second account that not mine and need to be removed immediately The details of the disputed information are as follows : - **Name : ** XXXX XXXX - **SSN/Tax ID # : ** XXXX - **Phone : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX - **ID # : ** XXXX, **ID Type : ** Driver License, **ID State : ** IL - **Alt ID State : ** IL - **Date of Birth : ** XX/XX/XXXX - **Bank Routing # : ** XXXX - **Account # : ** XXXX - **Account Type : ** Primary signer - **Incident Date : ** XX/XX/XXXX - **Principal Loss : ** - **Fee Reversal : ** - **Combined Loss & Fee Reversal : ** - **Paid/Unpaid/Settled : ** Unpaid - **Contribution Reason : ** Checking Account Fraud
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

This is about Select Portfio Services House burned down and insurance sent me a check for the anount of the payoff quote. Requested a payoff quote and received the same day. Quote good for 30 days. Sent payment in full and lender received it BEFORE 30 days ended. Called to check on it and was advised that the check was " lost ''. It was lost for 2 or 3 weeks than it was found. Now they won't honor payoff because the say I have to pay interest for all this time it was lost. I have a ups label that states it was received before deadline and XXXX signed for it. They won't refund so they just put it it escrow. Check has payoff mortgage and loan number written on front. We keep getting the run around and they say there's nothing they can do. I have an appointment soon with a lawyer to see what I can do. It's a XXXX shame they can't honor their quote and have to try for more money. It's not my fault they lost the check.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CrossCheck, Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (PA)

ACIMA DIGITAL FKA SIMP Lease with account # XXXX opened on XX/XX/year> and a balance of {$850.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment Under the Fair Credit Reporting must be removed from my credit report after seven years.
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (GA)

On XXXX/XXXX/15, I reported a fraudulent charge of {$670.00} debited by XXXX XXXX to the disputes department of Ally bank. I went on to explain that I had not contacted XXXX to initiate the charge, had not signed up for automatic billing of any kind and do not have account with them. I was issued a provisional credit in that amount while the disputes department investigated the matter. 
Nearly three months later, I received follow-up from the disputes department dated XXXX XXXX. The letter states that the charge " ... .was authorized and correct. '' Upon receipt I reached out to Ally to receive an explanation. To date, I have not been provided a definitive answer as to why this charge is considered valid. To add insult to injury, I received a letter dated XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, a collections agency, seeking payment in the amount of {$690.00} on behalf of their customer Ally Bank. 
On XXXX, I reached out to Ally and requested to speak with a supervisor. The call was forwarded to XXXX XXXX. She confirmed that the I may submit documentation to disprove the merchant 's XXXX rebuttal to the initial dispute once I receive yet another letter in the mail ; however, I am not sure how long this process will take or what impact this will have on my credit since this matter has already been forwarded to a collections agency. 

XXXX Resolution : I would like for Ally Bank to remove my account from collections and allow me the opportunity to properly resolve this matter by working with them and XXXX.
Consumer complaint received 2024-08-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates ( PRA ) keeps calling me even though I have told them to stop many times over the past XXXX  plus years. I suspect this is about old ( stale ) credit card debt that I no longer owe.

If so, PRA 's continued attempts at contact me are a direct violation pursuant to FDCPA, 15 USC 1692g et. seq.

Please make the stop!
Consumer complaint received 2024-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with REGIONALAC was never late! I have had exceptional payment history with REGIONALAC and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

REGIONALAC Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Consumer complaint received 2024-08-20
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: BMW Financial Services NA, LLC (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may verify if this is actually an account that belongs to me
Consumer complaint received 2024-07-24
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-24
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 have been checking my credit report almost every hour since the first time such inaccurate accounts appeared on my credit report. This time, I noticed that an inaccurate account is currently being reported on my credit report. I have no idea why this keeps happening to my report but please thoroughly check the documents I've sent so this thing won't happen to me again in the future.
Consumer complaint received 2024-07-24
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. (AL)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.