davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I drove to the bank on which the check was drawn to confirm the validity of the check. I was told they don't verify I had to deposit it in my bank, which I did and the check returned. It is as though the issuing bank is complacent in supporting this fraud.
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

This is a long standing dispute over a checking account whereby XXXX XXXX XXXX XXXX  XXXX XXXX person to use my account. There are a number of problems with the investigation but that is not the specific subject of this complaint. I have filed a grievance against the General Counsel for XXXX, XXXX XXXX, and in asking for more information ( which Attorney XXXX directed her people not to provide ), XXXX XXXX  sent me a letter stating that they will continue to report my checking account to ChexSystems after the statutory deadline, which is XXXX years, which means that this debt can not be reported after XX/XX/year>. This is a violation of the Fair Debt Collections Practices Act and is also unethical. A copy of the letter is attached.
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: Aldous & Associates, PLLC (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 XXXX and XXXX 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 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

Dear Aldous & Associates PLLC, I have received the debt collection you claim I owe. There is no proof of your written signature in the contract. The original creditor did not state in the contract that they would send my alleged debt to your company. I do not owe your company any debt. 

In fact, your company is not mentioned on any of the paperwork in the contract. Please provide proof that I XXXX XXXX XXXX owe you a balance. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate information on a consumer reporting profile must be removed in 30 days. 

Provide proof of your signature in the original contract. Failure to do so, you MUST DELETE this collection off of my consumer reporting profile.
Consumer complaint received 2023-09-20
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. (VA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (NJ)

I had a CD that matured XX/XX/XXXX XXXX  with Synchrony bank and against my instructions they renewed to a 6 month CD. I have been calling since XXXX XXXX. They kept saying it was in progress. They refuse to allow you to close online and when you call they never provide any confirmation or acknowledgment. I also have a voice message on XXXX XXXX from XXXX of Synchrony bank saying that both CDs have been closed. I also had another CD that matured XXXX XXXX and that was closed properly. But somehow the one for over $ XXXX they refuse to transfer. I called yesterday for the 5th time and spoke to 3 different people and the last manager said they have to investigate.

This online CD process with Synchrony bank is very shady as they never provide any confirmation of your request so they can then lie and say they never had it in their notes. 

I demand my money returned immediately with the higher interest would have earned elsewhere at 5.28 %.
Consumer complaint received 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NH)

I made a payment of {$360.00} on XX/XX/XXXX and it was processed and completed on the XXXX I even have confirmation emails and a picture stating that it was completed and taken out of my bank account. So the balance that I owed went down, I was notified XXXX days later saying that we are past due and the balance went back up.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYSTONE EQUIPMENT FINANCE CORP. (GA)

I purchased a used truck in XX/XX/XXXX because my boyfriend at the time needed a co signer. A few months later when purchasing my home this vehicle loan was the one thing keeping me from getting my home. I asked if the loan could be transferred into my boyfriends name and I was told that he would need a co signer. Of course anyone would want to know how much is the loan for and when I began to ask for that information I was given the run around. I could only get XXXX XXXX to speak with me directly and he was someone who answered the phones. XXXX no longer works there. I was told he has since retired. 
I called them for entire month of XX/XX/XXXX and XX/XX/XXXX asking for this information and help. My realtor even got involved as it was very frustrating and we thought it XXXX be better to get someone else to help. In XX/XX/XXXX. I found someone who would agree to cosign with my now ex to get the truck in his name and Keystone said an additional $ XXXX would need to be put down. I kept asking for paperwork to show the amount we got the truck for, how much we paid down, and what the balance is and they ALWAYS gave me the run around, but never sent the information requested. I was told the information would be emailed to me, but I never got it. I spoke with a guy named XXXX XXXX about it and when I explained to him that in simple math what he was telling me did not add up right he told me " well that's the contract you signed. '' It was very disheartening and it is now XX/XX/XXXX and I have yet to receive the information requested. Someone told my realtor that I had a XXXX balance in my name and that is how I was able to move forward with my home, but now I see the truck is still in my name and that poses a problem for me. I have to get this truck out of my name, but I am not getting anywhere with this company.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I thought dealing with a tough economy was stressful, but then I took a look at my credit report, and it turns out thats a whole new level of frustration. The amount of inaccurate information I found is unbelievable, and its dragging my credit score down for no reason. Its exhausting trying to fix these errors, and honestly, if I needed to see a therapist for the stress, I couldnt even charge the session to my card without it getting declined because of these mistakes. All I want is for my report to reflect reality, not a string of errors that are making my life harder.
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 — Investigation took more than 30 days
Company: HW Holding, Inc (AL)

Unauthorized Inquiries Hunterwarfield XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

Dear Sir/Madam : On or about XX/XX/year>, I applied for an American Express card XXXX The only bills that I have are my rental payment of XXXX} and my car payment XXXX XXXX XXXX XXXX I have approximately XXXX XXXX XXXX XXXX XXXX in my savings account and approximately ( {$15000.00} ) in my checking account. I am retired and I received approximately ( {$5000.00} ) XXXX XXXX XXXX  per month from my retirement. I NEVER missed rental or vehicle payment and I was NEVER late paying. 

American Express denied my application and stated that it was denied because of my debt. I believe that I have very little to no debt and that I am very much qualified for approval. 

American Express stated they would mail me an explanation for my denial, but they never mailed me the explanation for their denial. I would like to know, the realreason for their denial because I believe that I am very much qualified for approval.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXXXXXX 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
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Review credit reports and found a discrepancy of a store credit never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This conns credit was never used or ever been applied for by the complaintant. This credit account is demanded to remove.

Account Number on credit file XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (FL)

I am currently facing an issue with multiple debt collection companies that are reporting on my credit report, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I have no contracts or agreements with Southern Management System. 

These companies have not provided any documentation containing my signature that authorizes them to report on my credit or engage in business with me. The following are the specific FDCPA laws that I believe these debt collection companies have violated : 809 Validation of Debts ( 15 U.S.C. 1692g ) : Debt collectors are required to provide verification of the debt within five days of the initial communication. They must send a written notice containing the amount of the debt, the name of the creditor, and a statement that unless the consumer disputes the debt within 30 days, it will be assumed valid. In this case, the above-mentioned debt collection companies have not provided such validation or verification of the debt.

807 False or Misleading Representations ( 15 U.S.C. 1692e ) : Debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting to credit bureaus without a legitimate basis and without proper documentation or contract constitutes a misleading representation of the debt 's validity. 
808 Unfair Practices ( 15 U.S.C. 1692f ) : Debt collectors may not use unfair or unconscionable means to collect or attempt to collect any debt. Reporting a debt to credit bureaus without having the proper contractual authority or verification is considered an unfair practice.

818 Furnishing Certain Deceptive Forms ( 15 U.S.C. 1692j ) : It is illegal for debt collectors to design, compile, and furnish any form knowing that it would be used to create a false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes.

Given the lack of documentation and absence of a contractual agreement, the actions of Southern Management System are in violation of the aforementioned provisions of the FDCPA. I am seeking resolution and removal of these erroneous reports from my credit history. 

They are violating federal law and committing fraud by claiming that I owe them any money. They are using fraudulent means to unjustly enrich themselves.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I am a victim. Someone stole my cards and account information and was able to withdraw and deposit fraudulent checks and withdraw all of my money out of my checking and savings account. I reported this and Im still having to fight this issue since XXXX.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer ID : XXXX Chex Systems INC XXXX XXXX XXXX XXXX, MN XXXX ID TYPE : Drivers License ID # : XXXX SSN : XXXX I am writing to request an investigation of the following information that appears on my Chex Systems XXXX report. I have never opened or used the following account numbers or inquiries : Bank : XXXX Bank ; XXXX XXXX XXXX, XXXX, PA XXXX ( Date of closure : XX/XX/XXXX ) Routing : XXXX Account : XXXX ; Routing : XXXX Account : XXXX Inquiries : XXXX XXXX A Part of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Citizens Financial Bank- XXXX XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX- date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX union- date XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- date XX/XX/XXXX XXXX XXXX- date XX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed this account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block this account which is found to be fraud due to identity theft. The dispute account do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove this account. XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-06-19
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX 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. I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
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: North State Acceptance, LLC (TN)

I paid off my entire loan payment on my car over XXXX yrs ago with NorthState Acceptance.I NEVER received my title. I have attempted to obtain my title MULTIPLE times. This entire time I have been told excuses like " I didnt work here then '' or " the manager isnt available '' or " Ill call you back '' each excuse never resulted in the company following up with me. Instead I have had to persistantly contact them. This last attempt has been over a XXXX week period where they first pretended they didnt know where my title was. Only to now take XXXX responsibility and allege they mailed it to my exact address XXXX yrs ago then direct me to visit the XXXX and PAY to file for a duplicate title which can take WEEKS. This is prohibiting me from selling the vehicle I PAID OFF AND RIGHTFULLY OWN. I should not be held financially responsible or physically responsible for their disorganization lack of communication and FAILURE to uphold their end of the contractual agreement.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (MD)

On XX/XX/year> someone accessed my account and wire transferred my entire balance out and into some other account that isn't mine and I don't have access to. I submitted a fraudulent charge claim on the fraudulent transaction and they closed my account and opened a new one, but they refused to return the stolen money. 

Someone stole almost {$30000.00} from my account and they are just telling me to deal with it, and that it is a legitimate transaction by me. I have told them adamantly that I have no idea what this is or who could have done it. I was hoping they would be able to pull the money back from wherever it went since I told them it wasn't me. I was hoping I wouldn't just lose out on {$30000.00} of my hard earned money for whatever reason... 

This fraudster/thief was able to wire my money to some account and do it in a way that made it look legit. This kind of fraud has to be stopped or so many people will lose their money to thieves... I'm guessing maybe they pretended to be me and maybe had an account in my name or maybe they had access to my email or phone number somehow? I don't know what they did but they bypassed Pentagon Federal Credit Unions security measures in order to access my funds and clear out my entire account and just get away with it. 

I think PenFed should pull this money back from wherever it went and tell that merchant or bank that it was sent there fraudulently, and they are in possession of stolen money .... 


I have also filed a police report, and I'm doing everything I can to prove these aren't legitimate transactions like they claim they are. Can Penfed pull this money back somehow and leave whoever received the stolen money on the hook for the XXXX? I don't care what you need to do but this was my life savings and its was just stolen from me. I will attached the police report as well as the letter I got in the mail telling me these transactions were legitimate...
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (DC)

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First National Bank XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXXXXXX, PA XXXX Dear First National Bank, Hello, my name is XXXX XXXX, and Im writing about a recent solicitation letter I received from your bank. Although my name is correctly listed as XXXX XXXX, the letter incorrectly lists my middle name as XXXX XXXX XXXX. Im requesting that you update your records with the accurate middle of XXXX XXXX XXXX. Additionally, I would like to opt out of receiving any future unsolicited correspondence and promotional materials at my residential address. Please add my name to your do-not-mail list. I would appreciate it if you could confirm my opt-out request in writing. I have no account with your bank, and I have attached a copy of the invalid solicitation letter for your reference. 


Thanks again,