davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (AZ)

I have NO statements for XXXX and XX/XX/2024. And Ally has still NOT closed my account and transferred my IRA funds to XXXX after over a year of trying and filling out Ally 's forms and submitting them to Ally. Are you going to do anything about this???????? Here 's my XX/XX/2024 complaint again ..... 


This is the Complaint I filed again in XX/XX/2024. NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything to protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. In addition I want my IRA account transferred to XXXXXXXX XXXX which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXXXXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX  Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I want a Complaint on record.
Consumer complaint received 2024-06-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company (SD)

On XXXX XXXX, i agreed to buy a house pending I could obtain credit through an assumable loan through Freedom Mortgage. On XXXX XXXX the seller started the process to transfer the loan. Freedom Mortgage waited weeks to send me any paperwork and slowly gave me the required documents. If I do not obtain financing by XXXX XXXX, I lose the house. I have called on several occasions for updates and been mainly ignored. Typically, I'm told I'll be called back, but have only received XXXX call back. I do not know where my loan is, when it will be approved, or if Freedom Mortgage has sent me all the paperwork. They are purposely slowing the process in violation of XXXX XXXX XXXXXXXX to prevent a loan assumption. I was told on XXXX XXXX, Freedom Mortgage needed an additional XXXX days to approve the loan by email in writing. I called to state that timeline is unacceptable to be told they didn't staff the assumptions department appropriately. Now, I will lose the home because Freedom Mortgage doesn't prioritize military.
Consumer complaint received 2023-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SANTANDER HOLDINGS USA, INC. (CO)

I am writing in regard to my line ( s ) of credit with Santander Bank. The first issue is why I received the approval in the first place. I was only earning {$100000.00} and had zero assets and the bank approved me for two lines of credit totaling {$50000.00} in my 20s. I now believe this to be predatory lending. 

In addition, I have had many issues making payments. I went into the bank with my parents and we paid {$15000.00} toward the loan with the {$15000.00} balance. The bank then immediately closed this account- later claiming I requested the closure - damaging my credit. This was not a request I made at any point to close the account. 

Then a few weeks later they closed the second line of credit with {$25000.00} owed and charged it off. This account now sits in their internal collections office- where they collect the payments + interest and penalties. 

Please note I also have a credit card and a third line of credit with them. Santander then proceeded to shut off my access to online banking making it impossible to see the balances of any of the accounts online or to set up auto-pay. 

I have made payment arrangements- for the first few years, they had one group that collected a lump payment from me that Santander Bank applied across multiple accounts. Then without any indication that had changed, they split this up into different payment groups. I continued making my payments assuming they were being slipt up. There were not so Santander Bank on top of all of this caused me to have 12 late payment marks on my credit in spite of the money I was paying them.

This bank has single-handedly destroyed my credit and my life. They should be held accountable.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

I had a payment due on XXXX XXXX, and I had setup an automatic payment to pay my statement balance. On XXXX, I logged into my account. There was a scheduled payment for XXXXXXXX XXXX, but no pending payment for XXXX. I called customer support and talked to 2 agents. They both told me no payment was pending. While on hold with a 3rd agent, I made a manual payment for my statement balance. The 3rd and 4th agents informed me a payment was pending, but that the pending payment would not be visible on the website. The 4th agent " assured '' me that payment would go through, but refused to allow me to send an email with that " assurance '' or grant permission to record the call.
Consumer complaint received 2023-08-29
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)

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX  Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2024-07-08
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

DataX Ltd . 
XXXX XXXX XXXX XXXX, MO XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear DataX Ltd., IXX/XX/XXXX this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XX/XX/XXXX, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On Saturday XX/XX/2023, I sold a vehicle to a stranger. We both banked with TD. We went into the bank and the buyer withdrew {$20000.00} from his account, and I deposited the cash into my account. I then gave the vehicle and the title to the buyer. I have a receipt of the deposit. An hour later I looked at my account and the {$20000.00} was placed on hold. 

I went back to the bank same day XX/XX/XXXX and I was told by the same teller that the buyer came back and wanted to make it a check transaction. She stated that the buyer said he spoke to me, but this was not true. 

She withdrew the cash from my account without my knowledge and without my consent and I was not in the bank. She then deposited a check for the same amount. 

Another teller stated that the buyer is allowed to change his mind and that the transaction was changed without my knowledge or consent. 

I went into the branch on Monday at XXXX to talk to the manager and the manager XXXX said he didn't have time for me. 

I call the bank yet again and was told it was going to be escalated to the regional manager and I would get a call today. 

No call, I called at XXXX and was told there's no one available and XXXX the regional  manager is not available. 

{$20000.00} cash was taken out of my account and replaced with a check without my knowledge or consent. The funds are still not available.
Consumer complaint received 2024-07-14
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: EQUIFAX, INC. (GA)

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

XXXX failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue Equifax if I do not receive a remedy. Equifax has 15 days to respond and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 : XXXX. Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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, 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 accurate.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TN)

I'm filing this complaint because a company called XXXX XXXX XXXX furnished an alleged debt to my consumer reports. I did not receive enough information regarding the alleged debt nor was I given the opportunity to dispute the alleged debt. It was assumed that the debt belongs to me without them actually know if it actually did. This agency is damaging my credit standing, reputation, and character.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TN)

I'm filing this complaint because a company called Jefferson Capital Systems furnished an alleged debt to my consumer reports. I did not receive enough information regarding the alleged debt nor was I given the opportunity to dispute the alleged debt. It was assumed that the debt belongs to me without them actually know if it actually did. This agency is damaging my credit standing, reputation, and character.
Consumer complaint received 2024-07-14
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. (NJ)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Company called XXXX XXXX are posing as pay-pal, XXXX, XXXX XXXX and other times just as pay-pal employers. 

Asking for information by sending fake charges via email, and posing as fixers of the debt owed. Doing this they ask for your information where they actually are moving forward with charges
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I have been trying to work with the original credit card company and asking to settle for only amount owed with no fees or to do a pay to delete. This company says they are working on their behalf so I asked about a pay to delete and have received no word. It appears the company has changed again as well.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-23
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. (CA)

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 
Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. 

I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-23
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, My XXXX  XXXX credit was was stolen from me, and when my card was stolen they used my XXXX  XXXX card for purchases which got approved. Due to those fraudulent purchases my XXXX XXXX card went 30 days late. I right away called XXXX  XXXX when I noticed these and disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and transunion. Which they did remove. I have attached my XX/XX/XXXX credit report which you will see XXXX  XXXX removed the 30 day late they reported in XX/XX/XXXX and is showing the account as current for that month. After 3 months passed XXXX  XXXX reported the 30 day late back which I was in complete shock because that issue was resolved. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and Transunion reports because it is inaccurate and was due to fraud charges, and it is affecting my life. Below I have also attached my XX/XX/XXXX credit report which you will see the late is back and reporting on my credit. Please help me resolve this issue like it was originally. Thank you