davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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)

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records. 

I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 


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 and Bankruptcy XXXX XXXX Reference : XXXX.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX I wrote a Check to my contractor to the amount of XXXX dollars, he then deposited the check through his mobile Chase app.

My bank also Chase completed the withdrawal from my account but suspended and put the check on hold on his account until they customer service could verify the maker of the check ( me ) by calling the phone number associated with my name with the phone verification system they use. 

But because in their system my name does not match my phone number, they claim to not be able to contact me and verify my identity and therefore can not release the check. 

Even though I have been using this current phone number for 2 years, and have updated it online, they still claim the phone number is under a previous owners name. 

So they can not release the funds and will suspend the receivers account if the issue is not resolved. They are also un able to verify my identity with my two forms of ID speaking to a bank manager on site.

After many endless cycles of both parties of calling the different departments of chase customer service, fraud department, and holds department, escalating it up to supervisors, the only solution they offered to confirm my identity can only be through phone number and somehow speak to my cellphone provider to change to a new number that is not associated with any other previous owner to which I have completed a week ago on XX/XX/2024. 

Chase still says they can not verify my phone number as it is not updated yet, but my XXXX dollar check I need to use for payment is still on hold.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC (GA)

On XX/XX/XXXX, Mercury Financial ( Mercury Card Services ) received my payment of {$6700.00} via XXXX Registered Mail ( XXXX ). My payment was made as per my Credit Card agreement Payment Instructions and in compliance to 12CFR part 1026.10 ( b ) ( 4 ). To date, the company has not applied my payment to my account. I sent a follow-up letter USPS certified mail ( XXXX ), which the company received on XX/XX/XXXX requesting the company place my account in Billing Error Dispute Status as per 12 CFR 1026.13 for all past, present, & future bills until an investigation was performed, the issue was resolved, and my account was updated. I received correspondence from the company dated XX/XX/XXXX, requesting more information regarding the payment, which I provided a copy of the payment along with a follow-up letter that was received by the company on XX/XX/XXXX via USPS certified mail ( XXXX ). To date, the company has not placed my account in Billing Error Dispute Status as per my written request, which the company received on XX/XX/XXXX. In fact, the company reported my account as late to the credit bureaus for the month of XX/XX/XXXX, which is against the law. To date, the company has not applied my payment to my account, which is also against the law.
Consumer complaint received 2024-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

My name is XXXX XXXX, XXXX, executor of my mom, XXXX XXXX account at citizens. XXXX XX/XX/XXXX. Sadly mom passed away XXXX and I called her local XXXX NJ branch and was told by XXXX XXXX my deceased sister was XXXX. 
Since XX/XX/XXXX I took over moms accounts and spoke numerous times with XXXX XXXX at XXXX XXXX XXXXXXXX. I was informed on multiple conversations that my sister and I were XXXX as my mom requested. My sister XXXX XXXX passed away XX/XX/XXXX and XXXX was notified, sent documentation, yet failed to inform me XXXX was the only XXXX on account. This oversight by XXXX now prohibits me from accessing moms account and forces me to go through probate and be charged 14 % tax for washington state. 
This omission of information by XXXX will cost me > {$10000.00} in probate tax, and violates my moms wishes that I was XXXX on all accounts. 

I appreciate a conversation to find remediation of this oversight.
Consumer complaint received 2024-07-13
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: LEXISNEXIS (TX)

A third party consumer agency called LexisNexis is intentionally showing a XXXX XXXX on my XXXX record that should not be shown. I was involved in a not at XXXX XXXX in XXXX. This incident should have been removed from my record as of XXXX of XXXX In the state of XXXX a not at fault incident is removed or does not show on the drivers record after XXXX years. 
I am in the process of shopping for new auto insurance coverage and this incident shows up and causes my rate to increase. Also, since it is still showing up, my renewal of my current policy was higher. 
If LexisNexis wants to be in the XXXX XXXX business, they should be required to follow state guidelines when it comes to a person 's driving record. Auto insurance is very expensive and we the consumers deserve every break we have earned.
Consumer complaint received 2024-07-13
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: TRANSWORLD SYSTEMS INC (LA)

Hi my name is XXXX XXXX and I am a XXXX XXXX XXXX male I keep trying to tell these people that I didnt create those accounts I didnt even know what credit was at the time I have had family members ruin my credit because I didnt know anything about credit I have nothing that Im debt XXXX $ for it was not me and the companys wont dispute them when Im constantly telling them I have no knowledge of this account thank you.
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: U.S. BANCORP (WA)

I have applied for an assumption loan after a divorce with full cooperation of my ex-husband. I started the process in XXXX. Since that time to date I have exchanged about XXXX emails back and forth. Each time additional documentation is need by US bank for a simple removal of my ex 's name for a loan I have been paying since XX/XX/XXXX on my own. I have given multiple statements from my banks, investment companies, paystubs, ect They continue to push out my request and then need me to resend updated information. I have a very high credit score, this is a small loan at this point and I have good income. There is no reason for the delay. I was told it would have been easier to just refinance for the loan, which would be about XXXXXXXX XXXX  higher interest rate. 

First email sent XX/XX/XXXX. subsequent emails have gone back and forth. Repeat requests now being asked for, many being unrealistic ( ex husband 's paystub and a XXXX transaction between the XXXX of us in XX/XX/XXXX ) XXXX verifications that XXXX has been paid, updated paystubs from my employer, which I have been securely employed with this company for over 10 years, Fidelity terms of withdrawal, XXXX US bank is clearly very biased against single woman. I have proven over and over again I can, and am, paying my loan every month without fail. They would never ask this of men.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. XXXX5 U.S. CODE 1692e - False or misleading representations XXXXXX/XX/XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

This is just additional information to my complaint I filed # XXXX. 

I hadn't been receiving any statements by mail or email. They said that I was. However, after bringing up these issues to Comenity I just received my first statement notification by email. Doesn't seem right that I wasn't receiving my statements monthly.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: First Technology Federal Credit Union (WA)

I was charged interest XXXX $ in my XXXX, 2024 statement due to not making payment of the XXXX bill, but this late payment was because I never received any statement notification in my email since I received the card and started to used it in XXXX, although I'd subscribed to electronic statement from the very beginning. 

I got to know I didn't pay the XXXX bill only after I received physical mails of the XXXX statement and a Late Notice. I payed off all the statement amount once I got the mails. 

I reached out to FirstTech for the email notification issue and turned out there was some issue in FirstTech system because later after reporting the issue I was able to receive the email notification for my XXXX statement. I requested FirstTech to refund my interest charge because the late payment was all because I didn't receive any email notification for my XXXX bill. FirstTech refused this and insisted I can always check the statements online. How am I supposed to check the online system regularly to find out whether there is a new statement generated and how much I owe? That would totally defeat the purpose of the notification setting.
Consumer complaint received 2024-07-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (FL)

Identity Theft GM FINANCIAL Account Number : XXXX This account is a result of identity theft. I do not have a car or vehicle with GM FINANCIAL. I have filed an FTC report on the matter on XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (NY)

I am writing to express my utmost discontentment with the continued existence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the company related with the fraudulent accounts. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent accounts would be instantly abstracted. Both XXXX and XXXX have already removed these accounts from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of these accounts when the other bureaus have already removed it. Please delete these accounts from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00}
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

You are in violation for reporting incorrect information for accounts XXXX XXXX XXXX. The accounts were opened in XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) and charged off due to delinquency in XX/XX/XXXX with balance of {$500.00} ( XXXX ) and XX/XX/XXXX with a balance of {$1000.00} ( XXXX ). My credit report does not match this information. Furthermore, the payment history on these accounts proves their inaccuracy. How can XXXX bureaus report XXXX different sets of payment dates? I would like to see the original source of info as well as any documentation on file. Please also send me the paperwork that was used to 'verify ' these accounts. These accounts need to be removed from my credit report because they do not meet the requirements of the FCRA for inaccuracy.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 my 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 REPORTING 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 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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 2024-07-31
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2024-07-08
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: U.S. BANCORP (MA)

I was gifted a prepaid Visa gift card on the XXXX of XX/XX/year>. On XX/XX/XXXX I registered the card at the required site ( XXXX ). The correct amount of funds seemed to appear. I then attempted to use the card for a purchase on XXXX. This purchase failed. I then attempted a purchase using XXXX, and it failed again. Then I attempted to add the card to a XXXX account to see if it could be used that way, and it get declined for every purchase. I called the customer support number listed on the back of the card. The customer support agent notified me that the merchant " can not attempt to store the card info. That will make the purchase fail. ". But that's nonsense because every online merchant stores debit card information. So I attempted to use the card at a local store and it failed again. At no point did I ever attempt to make a purchase that exceeded the amount loaded onto the card. I believe that the entire service is an outright scam at this point.
Consumer complaint received 2024-07-08
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: U.S. BANCORP (CA)

I have a {$50.00} VISA gift card issued by US Bank NA which I can not use. I contacted the website and the phone number provided on the back of the gift card ( and listed below ) several times. I was told no information was available for the card number and security code I provided. I was told to furnish a copy of my driver 's license by fax with copies of the front and back of the gift card. This impresses me as a scam. 

I also called US Bank and was informed the card could neither be verified nor serviced by US Bank. 

XXXX XXXX XXXX XXXX ( telephone ) XXXX ( fax )
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-07-13
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

While in the process of gathering materials/information in preparation for a HELOC application in XXXX of XXXX, my advisor discovered a Charge Off for an XXXX XXXX XXXX XXXX The items is listed under VW Credit ( formerly held by XXXX for the duration of the lease from XX/XX/XXXX- XX/XX/XXXX ). 

This Charge Off and the outstanding balance of {$300.00} that is noted in the credit report was all news to me, as I was led to believe the lease was satisfied entirely when the vehicle was returned at the close of the lease. 

The sudden timing of a charge-off showing on XX/XX/XXXX makes little sense to me for something dating back to XXXX as well. In the event there were attempts to reach me I do not have any correspondence to account for anything outstanding and/or any attempts via phone were disregarded as spam/fraud/etc ( as has become far too common for me and others following data breaches/sensitive personal material readily available online ). 

A perfect example and one that is already haunting me - I did receive a piece of physical mail from a business claiming to be a collection group for XXXX days prior to the Charge Off posted to my report. While nothing about the business looked credible, I did call and prepared a payment to the group just to satisfy anything I have outstanding in my name. I am entirely unsure if this group is even properly associated with VW and I have yet to see this payment realized with VW Credit. My assumption is this group is not affiliated, which further confirms my reluctance to engage with what I suspect to be spam/fraud/etc who possess sensitive information ( social security/lease info/etc ). 

All this to say, had I known there was a nominal fee of any sort that was remaining/outstanding in my name, it would have been satisfied immediately rather than disregarded for 3 years. 

I have reached out to VW Credit twice in Late XXXX XXXX XX/XX/XXXX to request that this Charge Off be removed from my record and also offered to satisfy any remaining balance should they be able to remove this from my report. They've instructed me that this could not be done over the phone whatsoever and instead will be mailing a Dispute Form in 5-7 business days. Once returned, it will take another 30 business days for them to reply. 

Unfortunately, I am not able to have this substantial error continue to drag on my credit score more than it already has to-date. 

As I have mentioned, happy to satisfy anything I am ever responsible for, but the blindsided nature of this error years after the car was returned is causing considerable issues. 

Thank you much.