davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have some hard Inquiries that I didn't not Authorize with TransUnion credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

My Genesis Auto Lease is expiring so I elected to sell my Genesis XXXX via private party. I printed a payoff statement in XXXX and contacted Genesis Finance USA to confirm I had the right amount, address and process. 

On XX/XX/XXXX, I again contacted Genesis to confirm the amount, address and process. I then met my buyer at a XXXX in XXXX to finalize the deal. I brought a check for {$1600.00} and the buyer brought a check for {$39000.00}. We XXXX XXXX both checks along with the payoff statement and odometer statement all together via overnight mail. XXXX tracking number XXXX. The package was received on XX/XX/XXXX at XXXX XXXX and signed for by XXXX XXXX. 

I know the package was received because they posted my check for {$1600.00} on XX/XX/XXXX which coincidentally was also not posted in a timely manner. As of today, XX/XX/XXXX, they have not posted the large check nor processed the payoff nor had any relevant communication with me. They continue to charge interest and are sending me notices that a payment is due on XX/XX/XXXX. 

I called on XX/XX/XXXX to file my first complaint. The rep told me the payoff department does not accept calls and she sees not record of the other check or paperwork. She could send them an email and they have 5 days to respond. ( I'm still waiting for a response. ) I asked for a manager and was transferred. She asked for all the information I gave above and she promised that a complaint was filed and I would hear something soon. 

Due to no response, I called back on XX/XX/XXXX and again had to ask for a manager because a rep told me no prior complaint was filed. The manager confirmed no complaint was filed, nor could I talk to the payoff department, nor could it be escalated. He filed an email complaint for me and again said it would be 5 days. I begged for a quicker response and more help but to no avail. 

I have not heard a response as of today, XX/XX/XXXX. My buyer is furious with me. I have to keep the car insured even though the buyer has the vehicle. I have big liability if something goes wrong. I may lose the sell to a good buyer. 

I would also like to add that Genesis XXXX XXXX  has also conducted suspect practices with repairs and a recall. A dealership guaranteed they replaced a fuel pump due to a recall and then the next dealership while inspecting it for normal maintenance stated the pump was not replaced so they actually replaced it.
Consumer complaint received 2022-11-15
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. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Experian and TransUnion are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) XXXX and TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$180.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}
Consumer complaint received 2023-07-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (IN)

I never entered into a contract with Global Lending Services. they bought my debt for there monetary gain but has since harmed my reputation as a consumer / natural being. my rights and defamation of my character has been violated due to there inaccuracies. I disputed the account XX/XX/XXXX and the account was removed on XX/XX/XXXX which has been falsely reporting on my consumer report since XXXX. Global lending services behest a towing company by the name of XXXX XXXX XXXX  XXXX of XXXX, XXXX XXXX to steal my property from my place of abode. Let me remind you I never entered a contract with neither organizations so there was no reason neither organizations to know where to send any false and deceptive forms yet to steal my property which was for personal, household, and family use. I have since been without a vehicle and this violation of my consumer rights has since caused myself and family emotional distress from Depression of me losing my vehicle, loss of work due to not having a reliable means of transportation, XXXX XXXX, embarrassment, and XXXX.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I believe I was wrongfully charged interest by this bank via very deceptive billing practices. 

I am currently on a 0 % XXXX XXXX rate on purchases for credit card account number XXXX until XX/XX/year>. Specifically, I was charged interest on purchases made BEFORE this date. 

However, I have been charged a total amount of {$62.00} in interest on purchases on this account via very deceptive billing practices. 

I am seeking a resolution of crediting these interest charges back to my account as a courtesy I have been very longtime loyal card member and have been banking with Bank of America for several decades. I have never missed a payment and this is a very unfortunate issue as a longtime customer to be experiencing. 

I am seeking a resolution to this issue.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed a Capital One credit card on my credit profile with a balance of {$810.00} with the following account # : XXXX. This credit card does not belong to me and I have never used or have this credit card in position. I have frozen my credit profiles and requested a fraud alert to prevent any potential misuse of my information from reoccurring. I recently was involved in a legal separation proceeding and became aware of some misuse of personal information.
Consumer complaint received 2024-05-31
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. (IL)

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 informationisinaccurate.
Consumer complaint received 2024-05-31
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. (CO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, we sold our car and received a wire transfer from the buyers for {$12000.00} On XX/XX/XXXX, we received a message in our secure message center that said, " Return of funds are being requested DUE TO FRAUD. Please authorize us to debit your account for the amount XXXX by replying to this e-mail. '' We replied that we did NOT authorize a debit of XXXX because this was money from selling our car. 

On XX/XX/XXXX, Chase Bank made an unapproved withdrawal of {$12000.00}. 

We have spent at least fifteen hours on the phone with dozens of people in several departments. We've talked to supervisors and specialists. The last few times we've called, we've asked and gotten permission to record phone calls, so we have recordings of people at Chase telling us that we would get our money back in XXXXwo days. That was last week, and there has been no return. We started asking to record phone conversations because several Chase representatives claimed to be making " notes '' on our account so that a specialist could work on our problem. But when queried later, other representatives were forced to admit that no notes were written anywhere. We were being told a line to get us off the phone, which I find exceedingly unprofessional and dishonest. 

One Chase Bank representative claimed that XXXX XXXX ( the car buyer 's bank ) requested the money back, and it was given to them. We talked with the buyers of our car, and the wire was not returned to them. XXXX XXXX also said they did not get any funds back from Chase.

From our perspective, Chase took {$12000.00} from our checking account and has not returned it. Nor can they explain where the money went, leading me to believe they are either inept or dishonest.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with TUXXXX XXXXXXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX & XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with TUXXXX XXXX XXXX XXXX XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on TU as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice TU and XXXX 

XX/XX/XXXX, XXXX updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On TU as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on TU as of XX/XX/XXXX. payment status as late on a collection account on XXXX as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and Bureu 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately I DEMAND THIS ACCOUNT BE REMOVE ENTIRELY FROM MY CREDIT REPORT. THIS DEBTOR REPORTED THE COLLECTION multiple TIMES ON MY ACCOUNT. TWO ACCOUNTS ON MY CREDIT REPORT HAS THE SAME ACCOUNT NUMBER AND OPEN BALANCE. DO NOT UPDATE.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (VA)

I am writing to notify you that my credit report shows a balance for a Torrid account issued by Comenity Bank that I have no knowledge of. This is a fraudulent account and I request that it be immediately closed and removed from my credit report. 

This is the second instance of a fraudulent account I have found under my name with Comenity Bank. I do not have any legitimate accounts with Comenity Bank and therefore, I request that you close out any and all accounts in my name to prevent further instances of fraud. 

Please confirm that these accounts have been closed and removed from my credit report. Additionally, please provide any information you have regarding the opening of these accounts, including the application details and any transactions made. 


Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-18
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. (NC)

Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information 1. The amount of the debt 2. The name and address of the original creditor 3. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) 4. I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now. Collection activities shall cease immediately pursuant to 15 U.S. Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : Equifax XXXX XXXX XXXX XXXX, GA XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE SENT THESE EQUIFAX DISPUTE XXXX VIA CERTITIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. I HAVE NO KNOWLEDGE OF THIS ACCOUNT! THE SSN ON THIS ACCOUNT DOES NOT MATCH MY SSN! 

MY NEXT STEP IS TO PROCEED TO ARBITRATION!
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a credit card with Bank of America that had a balance of {$11.00}, XXXX owing when my business failed in XXXX and they closed the account and charged off the card. The card was charged off in XXXX. I filed for bankruptcy in XX/XX/XXXX and included this account in my bankruptcy filing. The bankruptcy was XXXX in XX/XX/XXXX. Bank of America keeps reporting that I owe {$11000.00} and refuses to report that this account was included in my bankruptcy filing. I have been fighting with them for over a year and they keep giving me the run around. I spoke with a customer service person in early XX/XX/XXXX who looked at all the information, said they had proof of bankruptcy discharge and said it would be corrected on their XX/XX/XXXX reporting date. I spoke with someone else at B of A last week and she said they did not have my bankruptcy proof and asked me to FAX it. So I faxed it from a B of A bank that same day. I called B of A today and they still won't do anything. They transferred me to the Bankruptcy dept and that person said he could not access my file because all the credit card accounts were down. I do not owe this money and it is not past due. I filed disputes with all XXXX credit bureaus starting in XXXX and they keep saying it's a charge-off. But their reports show it started being labeled as a CO in XX/XX/XXXX -- which is 2 years AFTER the bankruptcy discharge. I want this error corrected but no one with correct it.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my XXXX due to me being denied for housing because of this error.
Consumer complaint received 2024-05-24
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. (CA)

XXXX XXXXXXXX XXXX  Account Number - XXXX. I just got a copy of my credit report. I noticed that you are reporting this account incorrectly .This account is reporting not only as a CHARGE OFF ACCOUNT, but also shows a past due balance of {$590.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I always make my payments on time, so I am confident in my payment history. What I don't understand is why this company is reporting me as late for certain months, which shouldn't be happening. According to USC 1666b, any billing errors should be promptly corrected.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

When checking my credit report I have noticed that XXXXXXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX  has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XXXX XXXX XXXX XXXX XXXX XXXX and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX