davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

15 USC 1681 a My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : YOUR NAME - XXXX XXXX ADDRESS - XXXX XXXX XXXX, XXXX, LA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 

15 U.S. Code 1681e - Compliance procedures,, ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 

Once this is done please send me an updated copy of my consumer reports reflecting only the correct information below. 

Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-07-25
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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: TD BANK US HOLDING COMPANY (CA)

I purchased a ring on XXXX for pick up at my local XXXXXXXX XXXX store in XXXX, Ca. The order was fulfilled by a XXXX store in New York. The order was not fulfilled by the estimated date and I was never asked if I wanted to cancel my order. I went to pick up the item when it finally arrived only to open it and the jewelry pouch was empty. It was only the pouch. No ring was in the package. The manager at the store said she couldnt do anything and to submit a claim on the XXXX app that the item was not received. That claim was denied. In the interim I contacted the Nordstrom credit card I used to purchase the ring and they opened a claim. While waiting I went back to the store to resolve and again they said they couldnt do anything. I had already emailed Nordstrom.com multiple times. Also emailed their delivery department. No one has helped me. I just received a letter saying after their investigation they decided the charge was correct because the store said the item was in the box and that I had to pay the {$4600.00}. All they did was send me back to the XXXX store. I do not have the item I was charged for and Nordstrom credit card has done nothing to protect me as the consumer.
Consumer complaint received 2024-09-04
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (CA)

Car was deemed total loss XXXX paid XXXX XXXX XXXX refused too pay because they said my gap was voided because I received XXXX extension during pandemic XXXX XXXX government shut Downs now they sent me too collections and XXXX charge off on my credit report never sent me the title I paid over XXXX in interest on XXXX XXXXXXXX XXXX car.
Consumer complaint received 2024-06-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NV)

the debt is not mine it was a result of fraud i can guarantee the personal information ie social name and birth date does not match mine and now a debt collection agency is attempting to collect I HAVE SENT THIS COMPANY A CEASE AND DESIST THIS COMPANY HAS REFUSED TO ADHERE TO THE FEDERAL GUIDELINES BY IGNORING MY REQUEST IN MY ATTEMPTS TO RESOLVE THIS MATTER. THE COMPANY HAS ALSO BEEN FOUND IMPOSE AS A COLLECTION AGENCY WHEN IT IS LISTED THAT THE COMPANY IS NOT LEGALLY BINDED AND OR INSURED TO COLLECT IN THE STATE OF NV. PLEASE HAVE THE COMPANY CEASE ALL COLLECTION ACTIVITIES.
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (CA)

Affirm would not allow me to access to my loan for almost 5 months stating " I was never approved through Affirm '' while I was having active withdraws being taken out of my bank account from AFFIRM, almost 20 phone calls later, I was finally given access to my loan details, in which I paid off immediately, the remaining balance of {$52.00}, was paid in full, early, on XX/XX/2024. Completing a payout of my loan total {$79.00}. ( I have proof of pay off ) In XX/XX/2024 I noticed a negative mark on my credit report from Affirm, I called them, provided proof of pay off, confirmed my contact information and was advised a manger will follow up with me. No one from Affirm followed up with me. I called back a week later and was advised Affirm did not reach out to me to update me on my " late '' payments because my contact information was deleted from my profile without my knowledge or permission, I asked how I was still receiving sales emails from Affirm & how was I able to confirm my identity at the beginning of the call via text message if my email & phone was no longer on my profile? They advised they were unable to answer my questions and a manager will follow up with me. 

Another week went by, and no one contacted me, I reached out to Affirm, yet again and they stated they have received the proof of pay off, they have documented my complaints, they verified my contact information and could not assist me until a manager follows up with me after reviewing my account. 

I have disputed this negative mark on my credit with XXXX multiple times, however Affirm will confirm with XXXX that I do indeed owe the debt, meanwhile THEY ( Affirm ) HAVE NOT REACHED BACK OUT TO ME regardless of the multiple attempts I have made. 

My payments were never late and the loan was completed early, before the end of the loan agreement and Affirm will not assist me whatsoever.
Consumer complaint received 2024-06-03
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (FL)

XX/XX/24 I placed an order with " XXXX XXXX ''. Receipt was provided on CHime 's website from " XXXX ''. I got a shipping confirmation, with tracking number a couple weeks later, when I clicked the tracking link, it displayed as having been delivered to my mailbox. I know it wasn't delivered to my mailbox so I entered the tracking number at USPS, and got the result " Shipping Label Created- Item not shipped ''. I tried contacting the company but service numbers and emails are disconnected, or get no result. Disputed the transaction with Chime, and provided the shipping information, with a screenshot from USPS, within 48 hours, CHime had responded that they did an internal investigation into their processes, determined there was no billing error, and the case was closed. I had notified Chime that i was receiving personal emails from men and women, referring to the transaction, and offering me a 10 % rebate. I didn't accept because I didn't receive the product, and I don't beieve it was ever shipped.
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: 3G+1, Inc. dba California Auto Finance (CA)

So on the XXXX XXXX XXXX  and XXXX day of XXXX, i called to make my payment and every time they told me there system was down, so on the XXXX i told them i was gon na put my money in a money order so my bank doesnt charge my account and i miss my payment, i told them i was gon na mail it off, when they called back saying they didnt recieve it i went and got it reissued, i was gon na send it certified mail, but i seen an update on my bill of twice the amount so i assumed it was gon na roll over into next month, every time they called i answered the phone they hung up on me, i assumed that something came across there screen as it was already taken care of and they didnt need to call me anymore. I thought it was weird because they kept doing that day after day until Friday the XXXX, when they repo 'd my car.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Details of the Problem : On the night of XX/XX/year>, I made a purchase on the website XXXX XXXX XXXX. The site turned out to be fraudulent, and my credit card details were stolen. The next morning, I received an email from my bank about suspicious activity, with two attempted charges of {$1000.00} and {$990.00}. I reported that these charges were not authorized by me and blocked my card immediately. 

Upon reviewing my statement, I discovered two successful transactions made by the fraudsters that night : one for {$180.00} and another for {$970.00}. I contacted the bank to dispute these charges, and an investigation was initiated. The bank informed me that the {$180.00} would be refunded but the {$970.00} would not be refunded because the bank determined that this payment was made by me. I received the investigation report and found at least 12 discrepancies and errors, indicating extreme carelessness in reviewing the materials. 

One significant error was the inclusion of a fake rental agreement in the investigation report. To prove this, I am attaching a copy of my original rental agreement. 

I wrote a letter to the bank detailing these errors and sent it to the address provided in the investigation report. It has been two months, and I have not received any response. I am now left unprotected, and I am currently paying off the debt on my credit card while the fraudsters are enjoying my money. 

Actions Taken : Contacted the bank and reported the fraudulent transactions Received a partial refund of {$180.00} Sent a detailed letter to the bank highlighting errors in the investigation report ( no response received for two months ) Requested Resolution : I request that the bank reopens the investigation into the {$970.00} transaction and considers the discrepancies I have pointed out. I believe the bank can correct this situation and ensure that I am not held responsible for fraudulent activity. I seek a prompt resolution and a refund of the {$970.00}. 

Supporting Documents : Copies of emails from the bank about suspicious activity My letter to the bank detailing investigation errors The investigation report from the bank Credit card statements showing the disputed transactions A copy of my original rental agreement, proving the document in the bank 's report is fake Thank you for your immediate attention to this matter.
Consumer complaint received 2023-07-11
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. (CT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX  XXXX XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
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)

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (MD)

Mortgage was obtained in XXXX of XXXX. Documents were signed to pay property taxes annually and escrow was calculated to pay property taxes and insurance annually.The property tax bill was received by Mr Cooper and was not paid in full for the annual amount. 

I contacted Mr. Cooper Mortgage and was told they only pay semiannually and that XXXX XXXX does not accept annual payments. This is not correct and XXXX XXXX, MD will verify this is incorrect as they do accept payments annually. 

I sent a letter to Mr. Cooper, dated XX/XX/XXXX to terminate my escrow account since they did not pay the correct amount according to the loan documents. 

On XX/XX/XXXX, I received a letter stating escrow is cancelled and I should receive my escrow funds within XXXX days. I am still waiting on my funds and this is causing a hardship because I had to pay the remaining balance on my taxes due at the end of XXXX because Mr Cooper did not follow the signed loan documents. 

This has now been more than XXXX weeks waiting for the return of funds! I want my funds returned to me that are being held in escrow.
Consumer complaint received 2024-09-04
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)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-12-19
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. (FL)

I am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically Equifax, XXXX, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws
Consumer complaint received 2023-07-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation (PA)

I have no agreement nor account with XXXX XXXX. I've previously requested validation of the debt they claim i owe, to which they have failed to perform. They continue to communicate with non-affiliated third parties that I owe a debt to them. I've never given them written or verbal permission to report and or communicate any information to anyone. I've previously sent a Cease & Desist communication on all mediums including to non-affiliated third parties that they continue to communicate with. They are adversely affecting my ability to care for my family due to these violations of my consumer rights.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FB FINANCIAL CORPORATION (TN)

I went inside the First Bank at XXXX XXXX XXXX, XXXX, in XXXX, Tennessee, on XX/XX/year>. I sat down with XXXX XXXX and asked him questions concerning secured loans, credit lines, and personal loans. My intention was to obtain a personal loan or a line of credit, but instead of suggesting any loans or making any offers, he simply said that the firm they are loaning through is not a reputable one and that my best option would be to work on establishing my credit in a year. I'm complaining because I never asked him for a lengthy or line of credit, and he believed that my credit score was what I was talking about.