davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is maddening! Despite the multiple dispute letters and CFPB complaints that I have been submitting against the Credit Bureaus, they still have been failing to verify the validity of the disputes items on my Credit Report. I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/2022 requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus since the first dispute letter I sent to the Credit Bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Reporting Agencies are bound to comply with the Fair Credit reporting Act section 605b and remove the fraudulent accounts and information being reported on my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit Reports : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}
Consumer complaint received 2023-11-25
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. (CA)

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX Account info Account number XXXX Open/closed ( THE NUMBER DOES NOT APPEAR COMPLETE TO ME, IT IS INAPPROPRIATE ), The balance it incorrect. {$15.00} Open Date opened. XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX THIS ACCOUNT ITS AL READY PAY BALANCE CORRET IS {$0.00} .... 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc. (GA)

I was recently advised that my Prosper credit card and XXXX XXXX card were closed. In regards to the Prosper account, I was 30 days late and once I attempted to make a payment on XXXX XX/XX/XXXX I learned my account was closed. I called to question and I was advised that my credit was run again ( which I feel was unnecessary because I already had an established account since XX/XX/XXXX ) and that they determined I was no longer eligible so they closed the account. 
XXXX XXXX accepted my payment on XX/XX/XXXX and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (OH)

I followed an advertisement to get a {$100.00} advance on my benefit check. I did this on the internet. The company name was Albert. I followed the prompts and before I knew it they set up a {$10.00} withdrawal from my account to set up a savings account with them. They sent me an email saying they were going to take {$10.00} out every week. I tried to cancel the account but found out there is no way of doing this.
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Bank : Fifth Third Bank Type of Account : Conventional Mortgage How Acquired : Fifth Third Purchased from XXXX XXXX XXXX  on XX/XX/XXXX Fifth Third Bank purchased my loan from another lender ten weeks ago, and never sent me any welcome letter or payment information, but instead the first written communication I formally received from them ( received today, XX/XX/XXXX, mailed on XX/XX/XXXX ), threatened to foreclose on my house! 

I actually had reached out to Fifth Third by phone on Friday, XX/XX/XXXX, after receiving a message from one of their customer service reps the day before. I had no idea what the call was about as I was unaware that I had any business relationship with the bank. I did not get through to them on XX/XX/XXXX, I finally got through to a customer rep on XX/XX/XXXX. The only useful information she provided was that Fifth Third had bought my loan from XXXX and that my payment was two months overdue. I told her I would be happy to go online and make the payments immediately, however she told me that she could not provide my account number over the phone or by email, and I would have to wait for their " welcome packet '' which she promised to send out right away. However, that packet never came, but seven days later, the bank sent me this letter saying my mortgage is in default. 

Given the extreme lack of communication from this bank, my concern is that they only bought out this 3 % loan in order to try to foreclose on it as they would be able to lend at much higher interest now. And honestly, I would simply refinance right now and have the new lender pay off this crooked  bank except that I would not even be able to afford the loan at today 's rates. 

It seems it would have to be illegal for a bank to operate the way Fifth Third is doing. I would request any assistance you can provide with this bank, and also would like to know what laws specifically apply to banks with respect to notification to captive customers when they purchase a loan. I appreciate your assistance.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid 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: Spring Oaks Capital, LLC (NC)

Was XXXX and had charges not aware of with NC XXXX XXXX XXXX. Have been victim of XXXX XXXX XXXX XXXX leak and ever since then I've had issues with fraudulent charges. They keep contacting me even though I file disputes. Even tried credit bureau.
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (GA)

I am writing to formally dispute unauthorized inquiries listed on my credit report, which were conducted without permissible purpose, thus violating federal law. Pursuant to 15 USC 1681b, credit inquiries must be made with permissible purpose, and any inquiries made without such purpose are considered unauthorized.

The inquiries in question were conducted without my consent or authorization and were not initiated for any legitimate business need. As a result, they do not meet the requirements outlined in the Fair Credit Reporting Act ( FCRA ) and must be removed immediately.

Furthermore, these unauthorized inquiries also violate 15 USC 1681e ( b ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. By including unauthorized inquiries on my credit report, the credit bureaus have failed to uphold this requirement, thereby further violating federal law.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that the unauthorized inquiries are promptly removed from my credit report. Additionally, I urge the Bureau to hold the credit reporting agencies accountable for their failure to comply with the FCRA and other relevant consumer protection laws.

Enclosed with this letter is a list of my credit report highlighting the unauthorized inquiries below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your attention to this matter.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

Purchased with Chase Visa Rewards for an XXXX purchase on XX/XX/2023. I used {$71.00} worth of earned rewards points. When the order arrived, it was damaged. Instead of replacing it, XXXX required that I return and re-purchase it. I was going to have to wait a ridiculous " XXXX business days '' for my refund, in the XXXX century. I have done everything expected of me, through this process, yet I am now faced with the unrealistic expectation of waiting until XXXX for Chase to restore my balance. In the XXXXt Century, this should be a matter of a couple of keystrokes- considering that there is a trail which shows the order, return, and receipt.

I want, simply, my {$71.00} restored to my points balance, immediately. I do not intend to make additional purchases and go further into debt for something that was initially purchased damaged.
Consumer complaint received 2024-04-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (AZ)

Jefferson capital emailed me about account i allegedly owe. I emailed them back and asked for verification of debt with original wet signatures. I mentioned if not provided in 21-30 days it needs to be removed and reporting positively on my credit report. This was on XX/XX/2024 they responded on XX/XX/2024 and said they are looking into it. XXXX XXXX bought the debt that i did not agree to be sold. 

they violated my rights and privacy per the privacy act. True accord is not trying to collect on the account i allegedly owe. I asked true accord for that info stated above and they said they are no longer collecting on this account and gave it back to Jefferson capital. 

Time is up Please enforce! 
I even completed a 1099 to offer solution They also sent to XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 17th 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, AL XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (DC)

I wrote a check to myself in the full amount of my paycheck of {$1800.00}. and made a mobile deposit on XX/XX/2020. The funds were supposed to be available the next business day XX/XX/2020. The following business day when my funds should have been available instead there was a hold placed on my account with the following description : ( FM Deposit Hold-See SM ). 

I wrote the check to ensure that it met the minimum balance requirements of this account to avoid a fee until I'm able to have my paychecks directly deposited into my account. The check has been paid by the bank the check has come from but I still have a hold on my account for that check, and was told by your company that the duration of that hold will be 6 business days, which ensures that the earliest amount of time the funds would become available will span between 2 business weeks. I have absolutely no money. We are living in times where we fear every day for our health, financial security, and overall well being. Rent is due the XXXX  of the month and this situation places a greater burden on me that adds to the stress we already endure.
Consumer complaint received 2023-11-25
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. (NY)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XX/XX/2021, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America ruled in favor of mercant on a fraud cliam I was charged {$42.00} on a charge that I purchased pizza in XXXX Ny at that time I was a patient at XXXX XXXX Hospital suffering from XXXX in XXXX XXXX Mo. My account ended inXXXX l told the bank and was willing to have all my drs. State l I was a patien in the hospital also would support my stay the bank the merchant had a signed receipt but the bank never asked for my signature which would of shown the fraud signing. Also my right hand not movable I offered to send Bank of America proof of my stay in which they did not want I feel their fraud investagtion was in favor of merchant This same crook made other attempt. To use my name to make purchased. We were able to stop him.He tried to get a credit card in my name giving a false address in XXXX a Vacant house. I have every reason to believe Bank of America was biased and favored XXXX XXXX instead of doing complete ivestation. For XXXX year old man who never had black mark  on my financial record I feel my proof of evidence was not acceptable. Thank you so very much for helping me XXXX XXXX XXXX XXXX number XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account was charged off on the following date XX/XX/2019. Since then, Experian & XXXX XXXX has repeatedly been updating this as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the account.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. My credit report is showing late payments to XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX PLEASE UPDATE!
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (NY)

I was involved in a motor vehicle accident on XX/XX/2023, which resulted in my leased vehicle being totaled. It was the other drivers fault and they were issued tickets. I started my insurance claim that same day as soon as I was released from the hospital. On XX/XX/2023 my insurance company sent all required documentation to my lease company, Hyundai Motor Finance. It was verified by myself, my insurance, my local insurance agent, as well as my local Hyundai dealer that Hyundai Motor Finance was in receipt of the documents they needed to send my insurance company a letter of guarantee so that my insurance company can send payment to take care of the lease balance. They verified via phone as early as XX/XX/2023 that they in fact had this paperwork in their hands on XX/XX/2023. Their calls are recorded and it can be verified that myself, as well as other people trying to help me with this, were in fact told that Hyundai Motor Finance said multiple times that they were in receipt of the paperwork they needed and they would send a letter of guarantee to my insurance company which is the next step in the process. It is now XX/XX/2023, a month later, and nothing has been sent.