davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
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 reviewed my Credit report and noticed that XXXX account number XXXX reported to XXXX on numerous occasions as will show in the document below named " Revolving Accounts '' when they knowingly reported false data to XXXX and TransUnion! This person violated FCRA deliberately and knowingly! ( see Revolving Accounts ) namely the months of 2023 Actual Payments vs Transunion months of 2023 Payments! Law has been well established in regards to this issue. Furthermore XXXX has Conspired with XXXX and Transunion to deprive me of my rights in regards to 15 U.S. Code Sec. 1681 ( d ) ( 1 ) In General Consumer Report also under 15 U.S. Code Sec. 1681 ( 2 ) Exclusions : Consumer Report shall not Include the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is in Clear violation of my Right to a Fair Credit Report. Congress has held that it is a GRAVE responsibility to report accurate information which has not been done here. 
I WAS NOT AFFORDED THE OPPORTUNITY TO OPT OUT OF THE SHARING OF MY INFORMATION TO ANY THIRD PARTIES NOR WAS I NOTIFIED OF THIS RIGHT PRIOR TO THE SHARING OF MY PERSONAL INFORMATION BY ANY PERSON IN REGARDS TO THIS MATTER.
Consumer complaint received 2024-05-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (OH)

The vehicle was paid off via check on XX/XX/2023 for a total amount of {$60000.00}. Chrysler Capital has been contacted various times for the lien release without success. The state of Michigan where the vehicle is currently titled to states that the lien release must be electronic.
Consumer complaint received 2024-01-13
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Citibank sent me a 1099C for debt cancellation in XXXX of XXXX for an account I had with them ( attached ). I have disputed this information with all 3 credit bureaus ( XXXX XXXXXXXX, XXXX ). The credit bureaus claim Citibank is reporting the information as verifiable and accurate. I do not know who is lying? Debt has been cancelled and forgiven ( please see attached 1099C ) Yet the balances, past due amount and dates continue to be reported in an ABSOLUTE ERRONEOUS way. By law this erroneous information must be deleted from my credit report immediately.
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MO)

I changed my due date on XX/XX/24 from the XXXX of the month to the XXXX of the month. I knew that it would not go into affect until XXXX so I paid my XX/XX/XXXX payment early on XX/XX/XXXX to avoid late fees. The due date was changed but it shows due on XX/XX/XXXX which I already satisfied my payment for XXXX and interest was taken, so the next billing cycle should have been XX/XX/XXXX th and not XXXX. I was told there was nothing they could do and I would have to make the XX/XX/XXXX payment which I plan to do. I think Chase owe me refund because they are charging me 2 payments in XXXX. One made on XX/XX/24 which satisfied my XX/XX/XXXX payment and the payment due XX/XX/24 which was paid today. The XX/XX/XXXX due date should not be due. The payment should not be due until XX/XX/24.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SANTANDER XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SUNCOAST CREDIT UNION (FL)

- I opened this card in XXXX, I had to pay {$500.00} to open it as a secured credit card and my limit was {$500.00}. My limit has never gone up because it's a secured card. 

- I have called suncoast repeatedly, about every two years, to confirm this information is correct and I will get my deposit back, because financially, I need it back. They have ALWAYS confirmed it. 

- Sometime in XXXX my card expired and SC sent me a new one. I remember because I got multiple closed cards added to my account because SC kept sending cards to the wrong address, which still impacts my credit score to this day. This new card was a starter card - Suncoast switched my secured card out for a starter card. I called to confirm I would still get the deposit back, and on the phone they told me that I would still get my deposit back. 

- XX/XX/XXXX, I sit patiently on phone for the SC employee to tell me that I don't have a secured card I have a starter card. He goes through everything and says actually I see it here, you did have a secured card, we're processing the change now, ( I have to shift to a normal credit card to get my deposit back which was fine cause that's what I was told ) he says the {$500.00} will be in my account monday. 

- XX/XX/XXXX, I call again because the money is not there. I sit patiently on phone for the SC employee to tell me that I don't have a secured card, I have a starter card. She goes through everything and transfers me to lending. The woman at lending says actually I see it here, you did have a secured card, we're processing the change now, she says the {$500.00} will be in my account in about a week, her reasoning was that he just gave me a bad estimate. She even mentioned that she can see the {$500.00} processing into my account, so just give it a few more days. 

- XX/XX/XXXX, this is now the exact excuse they're using, that I never had a secured card, only a starter card. Even though as early as XXXX that wasn't the story, and I was getting my money back. The woman on the phone even claimed that I can go find this information, even though I have screenshots proving that I can't see past XXXX anywhere. She told me that was fine because they were sending me my documents, they didn't. I just checked my mailbox. 

It is clear that I have worked patiently for suncoast to get this money, or even my credit card records back, They have refused me about 4-5 times - as reflected in my call logs with Suncoast.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAP ONE - XXXX and CAP ONE - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-12-25
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)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX  XXXX
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

I cashapp a famous rapper after chatting wit him via XXXX on his. verified account so I know it was real. I sent him XXXX for a feature that he failed to complete. I asked him for the money back multiple times and he denied it. I went though cashapp and notified them that I never received my service that I payed for and all they could do was tell me to request a refund. I did and the seller denied it. then they told me to call my bank to dispute the charge which I did and my bank told me to contact cash app. I still never recieved my money back nor did I receive my service.
Consumer complaint received 2024-05-24
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: SANTANDER HOLDINGS USA, INC. (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is SANTANDER CONSUMER USA Date of Inquiry XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (NM)

XXXX and XXXX XXXX continuously calls my number looking for an individual who is not me for the last XXXX years. I have talked to XXXX and XXXX multiple times letting them know that this is my phone number and that that individual has not had this phone number for at least XXXX years. Each time I talk to a representative they let me know that they are removing the phone number and then a few days later the daily phone calls from XXXX and XXXX begin again. I have blocked them numerous times but they just call from a different number. I do not have any debts, I am not the person they are trying to contact, I don't even know who that person is.
Consumer complaint received 2024-01-13
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. (TX)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00}
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Nationstar Mortgage LLC has not sent me Loan Statements for XXXX loans I have with them on XXXX rental properties for since XXXX, 2012. I am in Chapter XXXX Bankruptcy to modify these loans. The modification plan was approved by the Court in XXXX 2012. I have no idea if they have modified these loans, what my payments are ( I guess at what they are by what the P & I payment is supposed to be plus what the Escrow amounts are ). They say their policy is not to send out any statements while in Bankruptcy, but I ca n't be released from Bankruptcy until I can show the Court they have complied with the approved Plan. This is costing me money as well as my Credit. Numerous calls to them have them telling that they ca n't send me anything. Even a Letter from my lawyer in XXXX of this year has been ignored. How can I force them to send me a statement? I thought it was the Law to send out statements.
Consumer complaint received 2024-05-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an AMEX gift card. I activated it over the phone. I tried to use it to purchase XXXX gift card reload. It did not work. I contacted customer service for AMEX and no resolution was found. I tried purchasing {$1.00} dollar less than the full value of the card, and this did not work. I then tried other values less than the card and they did not work. A lot of people have this problem.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your efforts in addressing some of the fraudulent items in my file resulting from an alleged identity theft. However, there are remaining items that require removal. Upon reviewing my records, I observed that several fraudulent entries, not associated with me, persist despite previous correspondence. This marks my 11th communication on this matter. According to Section 605B of the FCRA, it is a legal obligation to promptly remove fraudulent items opened due to identity theft. The disputed items are not linked to my identity. I have attached the necessary FTC Report # XXXX and the required identity verification documents for your reference. Kindly proceed with the removal of the following fraudulent items : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} -- -- -- -- -- -XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXX- -- -- -- -- -TransUnion : XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00}
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: NCP Holdings, L.P. (KY)

I contacted quick credit on XX/XX/24 to try and close and settle the account. I spoke with a woman and noted that I wanted to settle and close the account offering one additional payment as I have already paid {$3400.00} dollars in a loan of {$2000.00}. I explained that they've received all of the original loan amount and some. I was told that they weren't willing to settle and that I needed to pay all of the interest at a rate of over 200 %. I again requested more reasonable terms as they aren't really losing money by settling and was again denied.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/2024 they tried to serve me papers at XXXX XXXX. Knocking loudly. I didnt answer because I didnt know who it was. I saw her take a picture of my residence so there should be proof she knocked at that time. Which Im told is not allowed. I know it was her because when I did get served it was the same women.
Consumer complaint received 2024-01-13
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items /information below : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$1200.00XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00}
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I acknowledge the time you have dedicated to rectifying the presence of fraudulent entries in my file arising from an alleged identity theft. However, several items still persist that necessitate removal. This marks my seventh complaint regarding identity theft victimization. In accordance with the Fair Credit Reporting Act Section 605B, ( a ), it is mandated that you expeditiously eliminate any items opened without my knowledge, consent, or authority within four business days. This removal requires the submission of : ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer affirming that the information does not pertain to any transaction by the consumer. The following fraudulent items require removal : -- -- -- -- -- -- -- 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 Balance Owed : {$88.00} XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- -- TRANSUNION : XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
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. (TX)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-12-21
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: Experian Information Solutions Inc. (CA)

So during the COVID 19 I was experienced hardship like everybody else and instead of staying and incurring rent that I was not going to be able to pay we agreed for an early termination of the lease and even thow I left the apt company still received government funds in my behalf and are still trying it say I owe them money I have asked so some type bill and I get nothing expireran is completely unwilling to help me in this situation