davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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. (MO)

I am writing to express my ongoing frustration and disappointment with the unresolved issues regarding the late opening of accounts and the presence of late closures and charge-offs on my records, despite multiple attempts to rectify them. 

The late opening of accounts has not only inconvenienced me but has also affected my financial standing and opportunities. Furthermore, the presence of late closures and charge-offs inaccurately reflects on my creditworthiness and financial responsibility, potentially impacting my ability to access essential services and opportunities in the future. 

I expect a prompt response to this complaint, acknowledging receipt and providing a clear timeline for resolution. Additionally, I request regular updates on the progress until the matter is fully resolved. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$79.00} The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (AZ)

I made a payment on XX/XX/year>, under the assumption my available credit will become available once the payment posted or at the most in a XXXX hrs. period. Now they have the funds on hold until XX/XX/year> ( 11 days ). I had my internet and cell phone bills on a pre-arranged payment plan and because of this hold I was unable to keep my promise as they decline my internet payment. I have never not honored my payments to them. I did have to cancel XXXX payments in the past because I had paid them w/ another card and I simply did not have enough funds to cover both payments. I need to have the available credit become available now. The funds have been taken out of my checking account and if you look at my payment record I honored e/one of them. My internet is about to be disconnected if I dont pay by the end of this week. I work from home and need my internet to be able to provide to my family.
Consumer complaint received 2024-05-04
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)

Dear TransUnion, I am writing to request the immediate removal of several unauthorized hard inquiries from my credit report. These inquiries were not authorized by me and are the result of identity theft and fraud. The following inquiries were made without my consent : XXXXXXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX These inquiries do not reflect any legitimate activity on my part and have adversely impacted my credit score. I have taken appropriate steps to address the identity theft and have reported the fraudulent activity to the relevant authorities.

I kindly request that TransUnion take immediate action to remove these unauthorized inquiries from my credit report to ensure its accuracy and integrity. Your prompt attention to this matter is greatly appreciated. 

Please feel free to contact me if you require any further information or documentation to process this request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hello I have been sending information to the credit bureaus for a year asking them to please investigate. It is not the first time that I have worked on my credit, in XXXX I fixed it and the process was not as long and tedious as it has been now, I don't know what happened. I have gone to their websites to see if the conditions have changed and I see that they have not, since they are still supposed to respond to me within 60 days.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn : Billing Re : Billing Error Dispute XXXX This letter is to serve Chrysler Capital an official notice of dispute for the amount of {$15000.00}. The owner of the above-referenced account, as defined by 12 CFR, 1002.2, is a federally protected consumer.I Am aware that there have been credits issued to my person but have not been properly reflected, issued, or disclosed to me through permissible means. To resolve this dispute, Iam demanding you provide me with FULL ORIGINAL, and/or UNALTERED documentation that specifies credits, tax liabilities, discharge of debt, bonds, and or securities as they are applicable to this account. Please be advised, pursuant 12 CFR 1026.13, this constitutes as they are applicable to this account. UCC 3-306, UCC 3-603 , UCC 3-602, UCC 3-104, UCC 3-311 You may find those UCC codes XXXX XXXX XXXX Having that knowledge, I would like to remind you that 12 CFR 1026.13 ( e ) ( 1 ) reads Correct the billing error and credit the consumers account with any disputed amount and related finance or other charges, as applicable. I am invoking my specified remedy of having a payment of {$15000.00} refunded to me with an official check payable to XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL Downpayment : {$15000.00} Monthly donations to date : {$880.00} The initial communication was sent on XXXX Per Chrysler Capitals request for account information, follow-up information was provided on XX/XX/ and again on XXXX XXXX XXXX To date, Chyrsler Capital still has not responded.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

According to ( CITIZENS BANK ) response on XX/XX/2024 there is no 1099-C for the XXXX XXXX ending in XXXX. If there is no 1099-C than how is this account reporting as a charged-off account? 

According to XXXX a charge-off means the lender has " written the account off as a loss, and the account is closed for future charges ''. 

In Citizens response they stated the account is still open. Why is this account reported as closed on credit report? 

According to the IRS for the account to be " charged-off '' a XXXX should be issued. Did Citizens truly charged the account off? Did Citizens bank receive tax benefit for this " charged off account '' CC : XXXX IRS
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I opened a checking account online at Citizens Bank on XXXX and transferred funds from another banking institution to Citizens Bank. On XXXX, I received 2 emails from Citizens Bank acknowledging that ( 1 ) bank account was opened ( 2 ) that funds have been successfully transferred to Citizens Bank. I could not log in nor access Citizens Bank checking account. On XXXX Citizens Bank sent me another email stating that my account could not be funded and that funded accounts are subject to closure. This was a blatant lie from Citizens Bank as funds were transferred and deposited into Citizens Bank as prior email sent to me from Citizens Bank stated funds were successfully transferred to Citizens Bank. On XXXX and XXXX I contacted customer service at Citizens Bank for assistance. Customer service nor claims department at Citizens Bank could access my account despite providing account number, name, address and social security number to them. Communications from customer service at Citizens Bank said I need to contact financial institution funds were withdrawn from as it is an issue on their end. Citizens Bank said they could not further assist me with the new checking account due to limited access to account. This is terrible customer service/client relationship communications. Customer service could not locate newly opened account from their computer as customer service stated account was under review and pending despite information communicated in this complaint. Citizens Bank opened account, sent debit card and received debit card, I deposited funds into account, yet Citizens Bank would not provide access nor any information regarding this account. I believe this is sub-par customer service and this is terrible for Citizens Bank to treat customers in such a manner. Citizens Bank needs to be sanctioned for their actions.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I was making a XXXX transaction of XXXX $ toward a what suppose to be a renting application fee but then found out that it was a scammer. I gave bank a call on the same day trying to cancel/ dispute the transaction but the bank were not able to reverse the transaction for me. I explained that it was a scammer but they were not able to help me with anything event to flag an account as a fraud. They told me to report to the police for this problem and to bad business bureau which I did. But I am just in shock of how the bank would handle this situation. If the transaction done on the same day there should be away to reverse it and be able to flag a scammer.
Consumer complaint received 2024-02-06
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: DISCOVER BANK (CO)

I received counterfeit clothing, when I tried to make a dispute, discover was no help to me at all. Discover asked me for a second opinion letter in which I sent them a screenshot of a email from XXXX saying the item was fake/ counterfeit. Discover was still no help to me even with the provided documentation.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2023-06-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

Hello I have a problem with Equifax with my name and birth date at first I was told to fax over my social security number drivers license and a letter disputed any inaccurate information well I called to see if my information was received and was told they dont accept faxes anymore but was given the fax number ok so moving on I mailed them the same information and once again this time was told they couldnt see my information which was clearly blown up ok 3rd sent my information again on XXXXXXXX XXXX XXXX overnight to their po box then I called to make sure it was received the lady said we dont see it but give me your information so I precede to give her my birth date which is incorrect I told her my correct birth date hen she states I need to send them once again a copy of my information oh no I have sent them my information 3 times now she tells me its gon na take 1 month before they fix the problem well I had the same issue with XXXX and they immediately fixed my information I feel so let down because my information is just floating around EQUIFAX and nothing is getting done please help me with this problem
Consumer complaint received 2024-05-04
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. (MO)

I am writing to address the ongoing issue regarding fraudulent items on my credit report, despite my many attempt to rectify the situation. 

Despite providing substantial evidence and diligently following the prescribed procedures, the fraudulent items persist on my report. This continued presence not only damages my financial reputation but also undermines the accuracy and integrity of my credit history. 

I request that you conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/2016 BANKRUPTCY New York Federal XXXX XXXX U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

My mortgage loan originated XX/XX/XXXX. In XXXX, I applied for a home made affordable loan modification but was denied. Wells Fargo informed me that I could do a short sale. My realtor submitted several offers to them for a short sale and they refused them and proceeded to foreclose on the property in XX/XX/XXXX. On XX/XX/XXXX, I contacted Wells Fargo 's Enterprise Complaints Mgmt Office letting them know that I felt my home had been wrongfully foreclosed and was given a case number and assigned a representative. XXXX XXXX is my Case SpecialistXXXX XXXX XXXXXXXX. I have received four different letters stating they need more time to finalize their research. I feel they are are not taking the situation seriously. I was told that another letter is in the mail stating that they should complete their work by XX/XX/XXXX. That will be two months from the date that I reached out to them.
Consumer complaint received 2024-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: United PanAm Financial Corp. (OH)

Subject : Formal Complaint Regarding XXXX XXXX XXXX Purchase and Lack of Inspection Report I hope this message finds you well. I am writing to express my extreme dissatisfaction and concern regarding the purchase of a XXXX XXXX XXXX through Vroom, facilitated by United Auto Credit, and to formally register a complaint against both entities. 

On XX/XX/XXXX, I received the aforementioned vehicle via delivery, and since then, I have been facing significant issues with its safety and overall condition. Despite my repeated requests to the dedicated sales representative, XXXX, for the inspection report, detailing crucial aspects such as the brakes, wheel alignment, and the need for an oil change, my inquiries have gone unanswered for an alarming two months. 

The safety of the vehicle is my primary concern, as the brakes are evidently in poor condition, the wheel alignment is subpar, and an oil change is urgently required. These issues pose a serious risk to both myself and other road users. 

In an attempt to address this matter, I have also reached out to the XXXX XXXX via email, seeking the inspection report. Unfortunately, my efforts have been met with silence, leaving me frustrated and concerned for my safety. 

Given the gravity of the situation and the lack of response from both Vroom and United Auto Credit, I am left with no choice but to consider legal action to protect my rights as a consumer and address the safety concerns surrounding the purchased vehicle. 

I request your immediate attention to this matter and a prompt resolution to ensure the safety and reliability of the XXXX XXXX XXXX I acquired through your services. Please provide the inspection report without further delay, and I expect a comprehensive response within 24 hours
Consumer complaint received 2024-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (PA)

The Mr. Cooper mortgage servicer does not properly apply additional principal payments to mortgage accounts. 

On XX/XX/XXXX I submitted an additional principal payment of {$1900.00}. On the same date, my regular monthly payment of {$2300.00} was processed via automatic payment. Initially Mr. Cooper processed my additional principal payment as a " Partial Payment '' and did not apply the amount to my principal balance. I had to contact Mr. Cooper to correct this. Eventually both my regular monthly payment and additional principal payment were reversed and reapplied correctly. 

On XX/XX/XXXX I submitted another additional principal payment in the amount of {$3200.00}. On the same date, my regular monthly payment of {$2400.00} was processed via automatic payment. This additional principal payment was processed more incorrectly than the last one. Instead of applying the full payment amount to my principal, it was split and applied as a ( duplicate ) regular monthly payment of {$2400.00}, with the difference, {$820.00}, being applied to my principal. My payment activity and monthly statement currently show XXXX regular monthly payments of {$2400.00} on XX/XX/XXXX, and an additional principal payment of {$820.00} on XX/XX/XXXX. 

Here is an excerpt from my statement : DATE DESCRIPTION TOTAL PRINCIPAL INTEREST ESCROW OTHER XX/XX/XXXX Payment {$2400.00} {$650.00} {$850.00} {$940.00} XX/XX/XXXX Principal Payment {$820.00} {$820.00} XX/XX/XXXX Payment {$2400.00} {$640.00} {$850.00} {$940.00} The second monthly principal payment on XX/XX/XXXX appears to have been processed as my payment for XX/XX/XXXX, however my automatic payment for XX/XX/XXXX is still scheduled.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

As per the FCRA a federally protected consumer I am now opting out of all and any Authorization. I the consumer My have given written, unwritten, verbal, non-verbal consent. I am opting out. 

date account started XX/XX/XXXX AS per 15 U.S. Code 6805 - Enforcement 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1666e - Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666 - Correction of Billing Errors- 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-1 - Identity Theft Prevention - 15 U.S.C. 1681C-2 - Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Act of XXXX