davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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
Consumer complaint received 2024-06-07
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2023, I went on the American Express chat to see if I had any available promotions or product benefits, As a general question I asked the chat support if there were any promotional credit line increases available, and they asked to obtain information about my total annual income, I replied with the income amount as well as if this is gon na be a hard inquiry, I was then told for that matter I would have to check the dedicated team and agent tried to submit my request but was currently denied, I responded with why did you submit if I did not give you consent, and all you did was ask for my total gross and did not confirm if I consented and agent did not follow policy and submitted without my consent. I have had several complaints/claims opened and in each one, I was told they were closed as there is no resolution for what was done.
Consumer complaint received 2024-06-07
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. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (GA)

XXXXTHIS IS A BALANCE DISPUTE********* I had previously requested verification for duplicate charges from XX/XX/XXXX. Dispute was not resolved. Afterwards, when adding charges back to my account, the balance due was being doubled. I had requested an audit of my account. The balance was corrected, then thereafter doubled with no applicable charges. I had included invoices previously and requested the account be audited. The balance was corrected. This needs to be corrected as it is now adversely affecting my credit report. Correct balance due. This issue continues to keep happening. I have previously included billing statements from XXXX with the last submission for the same issue. XXXX***I HAVE AGAIN included statements from XX/XX/XXXX through XX/XX/XXXX. ******* PLEASE CORRECT***
Consumer complaint received 2024-06-07
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-17
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. (GA)

The No Disclosure Without Consent Rule No agency shall disclose any records by any means of communication to any person, or another agency, except under a written request by or the record pertains a subject to 12 exception 5usc Section 552 a b. 

Under the Privacy Act Disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual subject to twelve exemption Experian I have sent in several disputes to your agencies and CEO to fix the error that you have been reporting on my credit file there should be no more time given to fix this! You violate copyright infringement if you do not stop reporting on my consumer report and correct and remove all derogatory information by deleting all information permanently I will take you to federal court and sue you for XXXX.
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: STATE FARM BANK, FSB (VA)

I bought a car and financed through State Farm Bank. I have been paying the loan in good faith for over a year. I went to  renew tags and car was never registered in my State ( VA ) by dealer. DMV does have the car info. Dealer closed doors. Contacted State Farm Bank to ask for title and to see if dealer gave they the title when they funded dealer. State Farm Bank never secured the title or any info regarding the car from dealer. State Farm Bank just paid dealer for a lien/title ( product ) they never had. I even said I'd pay loan in full to give me the title, to hear from State Farm Bank that they do not have the title to my car and no other info regarding the funding or payment to dealer. I asked them how they funded dealer without title ( lien ) and they told me it is not their problem and I have to pay the monthly installments or in full. I asked them if paid in full how they will provide the title to hear that is not their problem and i have to pay the loan. 
This is being investigated by the criminal division but meanwhile State Farm Bank demands payment on no collateral or no lien, title. I can't understand why, I have to continue paying for a product that they don't have title. This is fraud on their part as they are continuing receiving monies for nothing. 
And since this is a criminal investigation, I have to lease a car to commute to work. How can a finance company or bank do this?
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Subject : Notice Of Dispute - Capital One XXXX To Whom it May Concern, I am writing to express my utmost dissatisfaction and apprehension regarding the handling of the reporting of the account Capital One XXXX on my credit report. Upon review, I have identified several clear breaches of the Fair Credit Reporting Act ( FCRA ) in relation to this account, and I am demanding immediate action to address these issues. 

Specifically, I am formally requesting a comprehensive debt validation, encompassing the following details : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account Capital One XXXX. 
Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Specify the precise date on which the account Capital One XXXX was initially established. 
Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 
Date Account Was Closed : Indicate the date on which the account Capital One XXXX was officially closed. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of the reported information. I insist on a prompt response and resolution to rectify this matter. 

Failure to comply with this request within 15 days from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to do so. 

I anticipate a timely response, along with the requested documentation, to be submitted to the CFPB Portal for expedited access. Furthermore, I request that any corrections made to my credit report are promptly reflected.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SN SERVICING CORPORATION (NY)

In XXXX I emailed my loan servicer XXXX XXXX XXXXsnsc.XXXX/ XXXX representative XXXXsnscXXXX  that my loan payments were not on my credit report. I was told previous servicer didnt report payment history ( not true ), I was told it took 6 months, I was told he had to put in request, I was told I had a late payment which would impact reporting ( no true ). I made a complaint to XXXX XXXX and had several communications, and no resolution other than advised to contact XXXX federal agencies. 
I never received a letter of SN Setviving response to letter from XXXX XXXX as advised I would.
Consumer complaint received 2024-06-07
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)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2023-09-20
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. (MD)

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
7719 BRIDLE PATH CIR FREDERICK, MD 21701 9202 CURTIS CT UPPER MARLBORO, MD 20772-5209 3231 SWANN RD APT 204SUITLAND, MD 20746-1335 SELFINCXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX PEPCO ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} 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 2024-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Access Loan Services Inc. (CA)

we contracted with 2 different companies, signed agreements, etc for a business loan after sending the funds they were required for all closing costs, insurance, etc, etc they both disappeared and have not responded in our repeated attempts to get a hold of them There are 2 diffrent companies for 2 different scams XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX this was the company the lender, XXXX XXXX used to collect monies XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this has already been identified now, as a impersonation of the real company the other company is listed in the next section, my complaints are combined
Consumer complaint received 2024-06-07
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX 2024
Consumer complaint received 2024-06-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Manhattan Beach Venture, LLC (VA)

On XX/XX/XXXX I filed a borrower defense application with the Department of Education, the application was initially denied, I then sent a request for a reconsideration and the Department of Education Borrower Defense Team reopened my initial application that was denied. In XX/XX/XXXX almost 6 years after my initial application was filed my Borrower Defense application was approved. I was advised by a representative of the Borrower Defense Team and also by XXXX my current loan servicer that my loans would be completely discharged and I would get reimbursed back any amount that I paid on these loans, on the day that I contacted XXXX and was advised of this by a XXXX representative I was then sent a letter by XXXX that I was only going to be discharged in the amount of {$10000.00} and not the full balance like I had been advised previously. I then filed a complaint against the Department of Education with the CFBP and was sent a letter by XXXX that the total amount that was discharged by them was {$110000.00}. I called XXXX and asked them why my loans were not discharged and they advised to me did I have loans with a separate servicer, but this answer was no, the loans that I had that are now serviced by XXXX were once serviced by XXXX or XXXX  and then transferred over to XXXX XXXX and then XXXX XXXX transferred the loans over to XXXX, however the Borrower Defense Team and XXXX refuse to discharge my loans as per the letter attached from XXXX has advised that they should be, when I have tried to reach out to the Department of Education, the Borrower Defense Team, or XXXX I am constantly getting the runaround as they do not want to discharge my student loans as per my approved borrower defense application. This is not only unfair but also fraud and I will have no other choice to consult with an attorney should I not get some results
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

The Lakeview XXXX site has been down for like a week because of cyber attacks, and hacks. They have left customers in the dark about all this. Today they withdrew the incorrect amount from my bank account and I can not get ahold of anybody at lakeview. The amount doesn't show up in my account on their website, so I have no way of verifying it being legit or not. They changed the website, and accounts so my account stopped working and I had to reset my password. Most of the features on their website relating to accounts isn't working. This has has been a horrible experience. They bought my mortgage about XXXX  months ago and has been a source of constant problems since. My loan payment says it's due today, and I can't pay or get this corrected either.
Consumer complaint received 2023-09-15
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. (IA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2024-06-07
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. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-07
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXXommittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.