davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
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: OneMain Finance Corporation (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accordance with the Fair Credit Reporting act, the list ol accounts below hs violated my lederally protected consumer nghts to privacy and contidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 6024. States | have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting can not fumish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any ol the following items ol information Any other adverse ol information, other than records of cormctions of crimes which amtedates the report by than yours.

15 U.S.C 16815-2 ( XXXX ) A person shall not tumish any information relaling XXXX to any consumer reporting agency il the person knows or has reasonable cause lo he informallon la inaccurate.
Consumer complaint received 2024-07-23
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)

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.

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.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (CA)

This is probably again the same issue that Ive noticed from Truist bank. That they do not give notification to their clients or customers about their account. I had a check given to me by XXXX XXXX Superior Court for a court case that I won that I cash. Through mobile deposit. There is no bank within my state for Truist is an XXXX XXXX Bank I am from the XXXX XXXX. I deposited the check not seeing the expiration date - four days after I saw that the check was returned. I called Truist and I reached out through social media and asked them if I could get a replica check since it was from the XXXX XXXX Superior Court. And that the check would be replaced since its in my name and from the court. They held my other accounts and told me to get the replacement check as fast as possible little did I know that they already decided to close my account and send the remainder balance to collections. They never solved anything for the claims that were closed or denied by mean not receiving notification and answering back to the claims and then I had contacted executive offices for XXXX XXXX superior court to contact truest bank for the timeframe of the check being issued, and not to hold me liable for lateness. I only have one letter from Truist about the check returned and the remainder balance. Ive reached out to Truist several times. Apparently from other complaints this happens quite often with them. Im now filing with the FDIC
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

XX/XX/XXXX Provided complaint to Barclay 's Bank with full documentation, multiple photos and video over merchandise received from XXXX on XX/XX/XXXX that was heavily damaged and had missing parts for a credit on my account. A complaint was filed because XXXX used only chat-bots with poor/non-existent customer service to try and repeatedly offer acceptance of a discount on the damaged merchandise that was not usable, and refused to make arrangements for the return of the damaged merchandise at their expense. Barclay 's acknowledged receiving the complaint on XX/XX/XXXX in a letter. They then sent a letter dated XX/XX/XXXX that they CLOSED the dispute alleging that the " Attempted to contact '' me " on XX/XX/XXXX and on XX/XX/XXXX '', and because they " haven't received a response '', they closed the dispute case. No such communication, whatever it may have been, was ever received. If it was a phone call, no message was left. I called them and spoke with a rep ' who advised me that the case should not have been closed and asked it be re-opened as there was ample evidence there to resolve the dispute in my favor. He also had me fax a letter asking the case be reopened on XX/XX/XXXX. I then received a letter from Barclay 's dated XX/XX/XXXX that they were " not able to assist '' with obtaining a credit due to " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '', and that they " were not provided with sufficient proof that the merchant has agreed to refund the account ''. Another call to Barclay 's on XX/XX/XXXX, a rep ' looked at the case and stated he could not understand why the case was not resolved based on the evidence he could see that was provided and stated he was going to escalate the case. Nothing was heard from Barclay 's. Another call was made by me to Barclay 's again on XX/XX/XXXX. I was told the case was closed and that I would have to fax over yet another letter with all the documentation that I had previously sent asking that the case be re-opened. Clearly, Barclay 's is not representing the best interests of their customers by not supporting us with with well-documented disputes.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency Equifax, for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to Equifax, about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with XXXX and also on the website of Equifax I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have had Capital 1 for 10 years. I have never missed a payment and enjoy using them. I have had to use the card more than normal and noticed my APR has gone up 6 % in 2 years. I called for an APR break as there is no reason for me to have such a high APR. They refused even temporary relief.
Consumer complaint received 2024-07-23
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 Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXXXXXX 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 XXXX 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.
Consumer complaint received 2024-07-23
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. (NC)

" I reviewed my consumer report and informed your agency on XX/XX/year>2024 about the items I

disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2023-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc. (GA)

THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH DIVISION XXXX XXXX XXXX AND XXXX XXXX XXXX AND COMENITY CAPITAL BANK. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR XXXX XXXX XXXX AND COMENITY CAPITAL BANK TO CEASE AND DESIST ALL COMMUNICATION WITH ALL THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (MO)

I signed a contract with a moving company on XX/XX/2023 approximately XXXX XXXX. they sent the contract on the XXXX which I didnt sign that day..and sent them a XXXX deposit for the move on the XXXX I called my banking institution XXXX ( XXXX XXXX XXXX ) to get the charges refunded because the moving company was trying to keep my money.. they lied and said I didnt cancel in time for a refund. I have all the proof that I did phone calls screen shots and email proof that I wasnt sent the contract until the morning of XX/XX/2023 which is what contained the instructions to cancelhowever I had been calling and texting the company all that morning before the deadline my account was mismanaged by bmtx I also asked them what they sent them for proof and wasnt given that information.. and whatever it is its fraudulent and XXXX didnt practice due diligence to protect my account. I have included a screenshot of the cancellation where they say I signed on the XX/XX/XXXX at XXXX am and at the bottom it say I signed on the XXXX at noon Im also including a screenshot of my sent email cancellation at XXXXXXXX XXXX of the XXXX of XXXX
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

DELL changed the issuing bank of my card sometime last year. There seems to be a new charge on my account of {$100.00} with no explanation on my new card. I don't use this card. The last time we used the card was to purchase a computer well over a year ago. this is a specialized card. we have no idea what this charge is. There is no explanation. The new issuing bank Commenity Bank claims that I have to pursue DELL about this. They don't know what it is. Nothing should have carried over. I want to know what this was.They are the one 's who changed their issuing bank. I certainly didn't. They have to explain this charge.
Consumer complaint received 2024-07-23
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. (FL)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain credit-bit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY 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
Consumer complaint received 2024-07-22
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. (AZ)

My account with XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXXL 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 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX 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 2023-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (WA)

I was checking my credit report this afternoon, XX/XX/19, and saw an unfamiliar debt in collections. It was for the amount of XXXX $ by Commonwealth FinancialXXXXMy bank provided a number to call so I did. Upon calling for information they said that they had attempted to contact me regarding the debt earlier this year. I checked the email they had on file and I received no such email at the time they supposedly sent it out. I asked them to send another email this afternoon and upon checking the email and my spam, I still have not received anything. This has negatively impacted my credit score and I was not informed of the debt prior to it being sent to collections. I dont delete received emails in my account so Im happy to share my emails if need be. I wasnt sure if that would qualify as personal information.
Consumer complaint received 2024-01-23
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. (IN)

XXXX XXXX was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via 1099a that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX to XX/XX/year> for which they said 3 months were not paid. 

I also want my asset back security that is being hold by XXXXXXXX XXXX  to be sold and the funds to be transferred to my personal fidelity account. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error.

18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ XXXX {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Driveway Finance Corporation (TX)

I have been trying to cancel a warranty and service contract with Lithia and their dealer XXXX XXXX XXXX XXXX ( TX ). 
I have called Lithia dealer complaints for the warranty and they told me there was nothing they could do as the dealer sold the warranty. 
The service agreement that was a Lithia product they said they could cancel that one but I had to fill out a form and Fax it to them. They would Not take the information over the phone nor email. 
I fe at this LOI t that they are making it intentionally difficult as these cancellations will cost them and their dealer money. 

I Just want it cancelled so it can go towards my insurance remaining balance dorky Driveway financial, this finance company who continues to try to collect money from me but they wont even help me cancel a product that will reduce that balance, post insurance. 3 Lithia entities are just taking advantage of me. I just want to products cancelled and the money to go to them. 

This is a last resort post. Ive been trying to cancel a warranty and service contract for 3 weeks. No exaggeration, Ive left the sales person 2 notes, multiple messages, two notes for the manager, called Lithia dealer complaints and still no action. This costs them money so no wonder no action. My sales guys was terrible but I had faith in management. No more, sad. I guess last option is to drive up there and wait until someone actually is forced to deal with me. Do better.
Consumer complaint received 2023-12-18
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 (LA)

I received 2 American Express Reward virtual cards from my employer for {$100.00} each. The first was received on XX/XX/2023 and the second on XX/XX/2023 These cards can not be used in physical stores but I can not use them in ANY online stores, either. They are declined at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and countless other online stores I've tried. 

The company claims that this is done to " protect [ my ] funds '' and I was told to just use them at another store. However THERE IS NO STORE that I can use these cards at!