davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

Hello, A checking account was opened without my consent by a third party. They also applied for a credit card under my identity, which resulted in a hard check on my credit report. I fear my identity was stolen. 

The checking account was for Citi bank. The number is XXXX. This account was opened on XX/XX/scrub> 2024. 

The credit card application was for a Citi XXXX XXXX Mastercard. The application was denied due to the information in a report from the XXXX reporting agency. 

My record shows that a hard credit check was conducted on XX/XX/XXXX. 

Thanks for all your support. 
XXXX XXXX
Consumer complaint received 2024-06-25
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. (IN)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (MO)

On XX/XX/XXXX I received an email stating that my physical Apple Card was expiring and would be replaced. The replacement would be shipped automatically. It did not arrive. 

On XX/XX/XXXX, I engaged Apple Card support via text message on my Apple device. They informed me the card must have been lost in transit and immediately processed a replacement card ( I can furnish screenshots of this conversation ). 

Today, on XX/XX/XXXX, I inquired about the status of my replacement as I had not received any communication about it since the text message exchange on XX/XX/XXXX. I was informed today that no shipping information was created for the replacement, and that they would process a *second* replacement card today. After submitting my address, I was informed that the address that Goldman Sachs has on file is different. So they provided me steps to check my address I have on file through my device ( Go to Settings > Wallet and Apple Pay > Shipping Address ) which was in fact my current address where I have lived since XX/XX/XXXX. 

After approximately 90 minutes of unhelpful communication ( having a huge bank gaslight a customer into thinking they don't know their own address is certainly a choice... ) it became clear that Goldman Sachs has a DIFFERENT address than my address. I suspect it is a former address of mine, however, per " XXXX '' on the phone with Goldman Sachs, there appears to be no way to simply update the address on their end. 

I believe this constitutes a serious problem with Goldman Sachs ' internal Personal Data policies and should be investigated. How many customers are having cards, statements, etc. sent to incorrect addresses? And Goldman Sachs has provided no way to solve this issue. Instead, multiple Apple Cards are apparently arriving at a former address. This does not seem safe or responsible for my personal finances. 

I am happy to discuss this in more detail or provide supporting documentation as necessary.
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. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-01
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)

PLEASE BLOCKED AND REMOVED It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial XXXX. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-25
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. (FL)

I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MD)

The company is called Allegro Credit. They provided financing for the purchase of my piano from XXXXXXXX XXXX XXXX  located in XXXX, MD. They have since been acquired by Synchrony Bank. So now they are known as Alllegro Credit, by Synchrony Bank. 
They do not provide monthly account statements. Not only that. But when I did ask for a statement they did not provide me a statement. And instead they provided me a list of my transaction history. And that proved to me that they were also charging me interest after each installment payment I made. Is that right? Are they supposed to charge me interest after each loan payment? 

My main concern is that they do not provide monthly statements, which I did not know was illegal until XXXX just informed me of that fact this afternoon.

And when I called them to get a statement they reluctantly stated that they dont provide monthly statements. And instead they said they would send my transaction history, or payment history, as I only have one loan with them and am current and have always made automatic payments to them on time.

And I have a funny feeling they are not reporting my excellent payment history to the credit bureaus.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I had several accounts through Synchrony Bank. Most were store specific cards, one was a line of credit, and one was a mastercard. Periodically I would check to see if i was eligible for a credit limit increase. Less than two weeks ago several of my accounts were increased, then a little over a week later all of my accounts were closed with no warning or explanation. One of the accounts paid for my medication that is needed monthly. When I reached out to inquire about the issue, that i had assumed was a glitch, I was first told that it was transunion that closed them. Next I was told something else. Then lastly i was informed that they were closed due to being a credit risk. I could understand this if I had created an issue, but all of my accounts were current with most at a zero balance. I kept all accounts linked to an auto pay and the autopay was linked to not only two active accounts, but also linked to revolving line of credit loans in case of an emergency. All accounts were kept under a 10 % credit utilization with most being 3 % or less. Several of the accounts were active on a weekly basis. I could understand if Synchrony had chosen to reduce my credit limit. I could even understand if they had chosen to temporarily suspend my accounts pending further investigation, or even closed a few of the low activity accounts. For them to close them all without a legitimate cause though is unacceptable, especially without even the courtesy of an email, text or phone call. What would have happened if i had not caught it before my medication was due? Or how about if i was out of town and had an emergency or got stranded somewhere? Not to mention the damage this will cause to my credit report. Their solution was that i could reapply, which would cause even more damage to my reports. I am not the only one that they have done this to and it needs to stop. Synchrony needs to be stopped.. If they can't be a legitimate bank and take care of those that do nothing wrong, pay their bills, etc then they need to close for good. Thank you for your time and efforts
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLIANT CREDIT UNION (MI)

I live in XXXX and have a checking and savings account with Alliant Credit Union located in XXXX 

Even though XXXX  is a XXXX XXXX, Alliant has allowed a collection agency in XXXX to levy my bank account. I have been advised that they should not have allowed this per XXXX XXXXXXXX ( a ). 

I would greatly appreciate assistance with this issue. 

Thank you!
Consumer complaint received 2024-06-25
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (GA)

On XX/XX/2024 I notice an account on my credit report listed as Affirm INC Account number XXXX, I immediately contacted the company provided my information but nothing was found. The represented said they would open an investigation that could take XXXX days. This account was open via identity theft this is not my account and I demand that this account along with the late payment associated be removed. I've contacted the company and XXXX this account needs to be removed due to identity theft. 
Under these laws 15 U.S. Code 1681c2 ( a- - Block of information resulting from identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S Code 6802 15 U.S. Code 1666a - Regulation of credit reports In demand that this account is removed
Consumer complaint received 2024-08-06
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: Paypal Holdings, Inc (NC)

I have a Venmo card issued by XXXX. On XX/XX/year> an unauthorized transaction of XXXX was taken from my card from XXXX I immediately filed a dispute and Venmo denied my claim in less than XXXX. So Venmo said I can file an appeal. XXXX XXXX had already agreed to refund my money but had a system error and told me file a dispute with Venmo to get my money back. On Monday XXXX, I spoke with someone in customer care and after their investigation it was determined that someone with a XXXX XXXX account used my card information without my knowledge. The fraud was already investigated by the merchant but Venmo is pretty much refusing to give me my money back. I then informed Venmo that XXXX refunded my money and they simply refused to give me money back. On XX/XX/year> I get an email from Venmo and they made bogus statements that didnt make sense in relation to my dispute. Stating other payments not being disputed but Im not disputing a payment I was literally driving across country and money that I didnt authorize was removed from my card. Venmo violated several consumer laws and failed to properly investigate.
Consumer complaint received 2024-06-25
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. (GA)

I am invoking my right to dispute and investigate the wrongful accounts listed on my credit report. Per the Fair Credit Report Act, I should be compensated {$1000.00} for each mistake. FCRA 605B requires us to address any inaccuracies on a consumers credit report.
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. (TX)

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 XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2023-11-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Roseth Mortgage LLC (MI)

I was referred to XXXX XXXX with Roseth Mortgage by a previous client of his, whom later fired him. After beginning a business relationship with XXXX, it was apparent that he was disorganized and incompetent. My primary complaint is as follows : leading up to the closing of my home, I was told multiple times by XXXX that I would not need to bring any cash to closing. However on XX/XX/2023, the morning of the closing, I was told around XXXX that I needed {$6700.00} in cash to close the sale, my closing appointment with the title company was scheduled for XXXX. After telling XXXX that there was no way I could come up with that amount of cash in the matter of a few hours, XXXX informed me that he could deduct his financial compensation from the closing. This changed my cash needed to close to {$1900.00}, which I paid with a cashiers check. XXXX asked me if we could make an arrangement, in which I would pay him {$2500.00} privately after closing " so that he didn't work for free ''. He states that " this also helps him out because he doesn't pay taxes on it ''. On XX/XX/2023, as requested per XXXX, I sent a payment in the amount of {$500.00} via the XXXX app to his wife 's account under the name XXXX XXXX. On XX/XX/2023 XXXX requested another payment, I informed him that I would not be financially able to send him another payment. On XX/XX/2023 he again requested another payment, to which I did not respond because I was unavailable at that time. On XX/XX/2023 at XXXX, he sent me another text message explaining that he needed an explanation regarding the payment so that he could inform his wife. His wife then proceeded to find my private XXXX page and messaged me at XXXX to harass me about my lack or response to her husband, to which I did not respond. She then messaged me again that day at XXXX to further harass me about sending them money. At this point I felt uncomfortable and contacted XXXX 's boss, XXXX XXXX. XXXX advised me not to send any additional payments to XXXX and that he would personally handle the issue going forward. XXXX said he was going to further look into the matter internally. I've since asked XXXX how he was handling the issue and if there was something that could be done in regards to the {$500.00} that I had already sent to XXXX, but XXXX has failed to respond.
Consumer complaint received 2024-06-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (NE)

In XXXX XXXX took over our loan from XXXX XXXX XXXX. In XXXX as we were paying our insurance and taxes through escrow, XXXX allowed our insurance to lapse so we starting paying our insurance ourselves. In XXXX XXXX XXXX took over our loan and imposed forced place insurance on our home. We informed them that we had insurance but they continued to charge us. In XXXX Fay Servicing continued charging forced place insurance.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello team, Am trying to solve this issue from more than 4 months ago, you are waiting my name and my financial future, am trying to build my financial future, am communicating with you TransUnion and XXXX XXXX from approximately 4 months and nothing till now, XXXX results, I want my auto XXXX loan to be effective on my credit reports on a monthly basis, I just get hard inquiry from XXXX XXXX and 2 other finance companies, XXXX XXXX sent my informations already to TransUnion as they requested and I'll upload the email here, TransUnion is not responding to XXXX XXXX emails or my emails, I will upload also what TransUnion applied with the last dispute here.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

i sent all 3 CRA 's demand letters requesting the inaccurate and incomplete items be deleted from my credit report.15 usc 1681eb states that all information has to be 100 % accurate and complete before posting. 
I am requesting the following accounts be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Timely payments have always been my practice with this account, and I've never let any become overdue. I'm confused by the reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors need to be corrected.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PR)

After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies. 

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice. 

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sensible Auto Lending, LLC (MD)

What about a car from a dealership called XXXXXXXX XXXX XXXX couple months later my car broke down and I tried to call him to make a exchange or have a result of the situation I even went to the dealership and he was not responsive from a call and also his company of his building moved or been shut down of whatever possible situation and the federal bureau that I try to call from sensible auto unfortunately they couldn't find XXXX XXXX don't know if he vanished or something happened XXXX forbid or he did some scam act and maybe put myself in debt even more in the whole and I try to explain to them try to talk to them to sensitive way but it was not trying to understand or care so that's the reason why I stopped paying because it broke down while I was trying to seek for help and trying to get it fixed and paying my car note and I feel like everything from what XXXX XXXX have done was emotional damage and I am seeking for help I am asking for law of and code 1692c ( b ), which, subject to certain narrow exceptions, prohibits debt collectors from communicating with third parties in connection with the collection of any debt. The listed exceptions are the consumer, his attorney, a consumer reporting agency if otherwise permitted by law