davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away 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 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I submitted an online application to Bank of America in response to an advertised XXXX XXXX opportunity. The initial response was that they could not offer the account, then I received a letter stating that additional information was required. I submitted the additional information. I received no other communications until an email stating that a balance transfer of approximately 25 % of my request was in work. I tried to contact BOA ; but, the system required a complete account number that I did not have until an actual credit card arrived several days later. The credit card came with a lower limit than I would have accepted. BOA had created a credit account and reported it to XXXX without me ever having been provided the proposed terms of the account. I would have declined the account under the terms that BOA unilaterally implemented. I was notified by XXXX that the open account has been added to my credit history/report. I have contacted BOA and have been told that the balance transfer and the credit card have been cancelled and closed.
Consumer complaint received 2023-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AR)

Hello- I am on an income driven repayment plan ( REPAY ) to repay my federal consolidated student loans. I was with XXXX and as transferred to MOHELA a few months ago in XXXX. During the national emergency ( COVID pandemic ) I was in the COVID forbearance period and received an email from XXXX stating that I needed to apply for recertification although no income recertification was required during the XXXX pandemic forbearance period. Because of this incorrect information from XXXX I recertified my income online in XX/XX/XXXX ( see attached document ) which resulted in a much higher payment compared to the previous year due to my higher income. I should not have to pay a higher payment due to my servicer ( XXXX ) providing false information to me. It is unfair for me to have to make the higher payments after being told false information about recertification when it was not a requirement during XXXX pandemic and is not a requirement for at least 6 months after payments resume this Fall. No one has been required to recertify during the XXXX forbearance period and I should be entitled to the same benefit afforded to everyone else with federal consolidated student loans. I requested this reversal and complained to XXXX several times before my loans were transferred to MOHELA about this issue and false information. I have seen others income recertification be reversed or undone from searching online and I believe I should receive the same reversal of my income recertification for at least one year as well. Please see the documents attached. One is my income driven payment recertification in XX/XX/XXXX and one is my payment income driven repayment plan for XX/XX/XXXX- XX/XX/XXXX.
Consumer complaint received 2024-03-09
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. (WI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-09-19
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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (NC)

I received a signed " Out The Door '' offer on XX/XX/year> for a new vehicle from XXXX XXXX located in XXXX, NC. The selling price listed on the OTD offer matched the selling price as advertised online via the dealerships website. The selling price and total " Out The Door '' price quoted on the signed offer did not end up being the selling price and final " Out The Door '' price financed. The final " Out the Door '' price ( which was the amount that ended up being financed on XX/XX/year> ) was only slightly higher then the quoted OTD signed offer. This slightly higher final OTD price was explained by the finance manager as the result of a higher tax rate in my county of residence. The finance manager did not mention the change in the selling price as compared to the OTD signed offer. However, upon further review after purchase I discovered the selling price of the vehicle was recorded at a significantly higher value then the OTD offer and that the taxes and fees charged did not reflect a higher county charge, rather a lower charge then what was included on the signed OTD offer. I also discovered discrepancies in the amount of sales tax charged as it was beyond the state rate of XXXX XXXX All this has left a bad taste in my mouth. I have not reached out to the dealership at this point. I feel like without a formal complaint from a reputable organization like the CFPB the only response I will receive from the dealership will be along the lines of, " we cant do anything about that because you signed ... '' I hope this facilitates a remediation that includes a corrected selling price to match the selling price in the signed OTD offer with cash reimbursement for the difference as well as any cash reimbursement for any miscalculated tax rate charges or any other tax implications as a result of a higher selling price then quoted in the signed OTD offer. A formal apology with a promise to provide more honest and transparent customer service and to discontinue any misleading car selling or financing practices would be appreciated.
Consumer complaint received 2024-03-08
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. (CA)

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 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (CA)

Prosper Funding LLC continues to inaccurately report this account. As the holder of the contract I have initiated arbitration for fraud. Prosper Funding LLC failed to disclose the contract is the security that is being used. Not only is Prosper Funding LLC benefiting from the trading of the security they have kept all proceeds from the trading. As the registered owner of this security I am entitled to the profits and interest that my security has generated as an investor of Prosper Funding LLC. Since Prosper has failed to answer to my demands as a protected consumer I have initiated arbitration and Prosper Funding LLC is violating law by continuing to report this account delinquent and take money from my. Until the arbitration action is concluded Prosper Funding LLC is barred from reporting.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA section 807 Violation misleading false representations and reporting.

Contacted creditor/Agency ask for proof of validation. It's been more than 30 days and no response. Also, 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under 15 chapter 41. 

XXXX XXXX # : XXXX XXXX. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or uploaded As Soon As Possible. These are the items I demanding to be deleted immediately. 

FDCPA false misreporting. Instructions, Please Update to Paid Current as Agreed. I was never late this is a violation to my rights as a consumer. Remove ALL late payments and change the payment status to current because of the CARES ACT. 

XXXX XXXX XXXX 

# : XXXX
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

XX/XX/year> her name is XXXX XXXX somehow this person stolen XXXX from my account through pay anyone. Somehow she got into my account new everything my password and my username. I called and talked to chime representative and she said they would depute it but I never got my money back. Even though she said they would give it back. I received nothing. That was my rent money they scammed out of my account. Didnt heard anything back from chime kept trying to get money back they said I would get it back within 30 days I got nothing so Im not trusting any banks anymore their word was what I believed to this day I still received nothing
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX, I received a collection notice from AmSher Collection Services. On XX/XX/XXXX, I returned the response in which I checked the following : This is not my debt Other in which I attached a letter I also checked that I wanted to receive the name and address of the original creditor. 
I attached all as attachments. 
The following was mailed by US mail to the Collection agency to AmSher Collection Services , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. 
My letter that I have attached as proof requested original signed document of my debt to them among other. As of today 's date XX/XX/XXXX, The collector has failed to verify this debt and respond to my letter. 
Upon receiving my letter however they did in bad faith report me to all three credit bureau without verifying that this is my debt. 
Proof of documents were uploaded.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

There is a collection account reporting to my credit report which lists SYNCHRONY BANK as the original creditor of the account XXXX XXXX XXXX XXXX. I don't recall opening an account with your company, and there was no correspondence sent to me regarding this account or the sale of this account. Please send me debt validation of the account mentioned. I am also seeking the forward flow agreement as well as original paperwork with my signature for this account. Also please send the correspondence that was mailed to me informing me that this alleged debt was to be sold. Being that I am trying to validate the information you send me, I will not be providing any more information than I already have in order for me to fact check what the alleged collection agency is reporting. Furthermore, I will not accept any correspondence outside of the CFPB portal. I am not interested in anything being mailed to me. I am requesting all documentation to be sent via CFPB so that it is easier to keep record of in case of legal proceeding. If you can not furnish the requested information, I advise you to contact the collection agency and/or credit reporting agencies and have the account removed from my credit report due to FCRA violations. If information is not received within 15 days, I will have no choice but to escalate this to the FTC and further seek my options in small court. Thank you for your help with this matter.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

{$770.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX These accounts do not belong to me. I previously disputed these accounts with Experian and was notified today XX/XX/year> that these companies either verified the accounts are found the accounts to be accurate which is impossible because these accounts do not belong to me.
Consumer complaint received 2023-10-26
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. (NY)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2023-10-26
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report, XXXX XXXX XXXX Balance : {$69.00}.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-10-26
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. (MI)

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 2024-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BOEING EMPLOYEES CREDIT UNION (WA)

BECU loans. I originally asked for relief of payments on heloc because the interest was beyond me. When loan was first taken out the arm was lower than fixed and I had no idea it would be like throwing $ fluff in the air with nothing left for me to the apply on principle. My complaint is that no one could get me to the right phone number for months. If they knew I couldn't do anything on the heloc why did I go through the process and then be told it wasn't a loan that could be modified. Denial letter was XX/XX/year>. So then I was advised to ask for mortgage relief through loss mitigation, etc. Too many people with different answers, finally got right department. Two people even said grants may be available, but never found any information on that either.
Consumer complaint received 2023-09-19
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  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.