davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

On XX/XX/XXXX I was notified by Columbia Debt Recovery LLC DBA Genesis regarding an amount from a place I moved out of two years ago. I thought I had already settled this with the apartment. I requested an itemized list of what was owed, which they could not provide to me. I also disputed this charge with the company by providing previous emails with the apartment company showing that I owed nothing. I called the apartment complex and they were also confused why I was being contacted by a debt collector as they confirmed I dont have a debt. After I disputed the charge they provided no follow up despite the law : 15 U.S. Code 1681i which states : ** ( **A ). A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency '' I have not received any written notice of the reinvestigation and it has been well over five business days. It is now the end of XXXX and I have heard nothing from them regarding this. They still call me every day asking for me to pay despite me telling them many times to stop contacting me about this false debt.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In 2019, the automobile that the loan is in question four was in an accident and considered totaled. The insurance company paid off all but {$9000.00} at the time of the loan application with the car dealer the additional extended warranty was taken out as well as gap insurance, the car dealer did not submit the gap insurance paperwork or the extended warranty paperwork. I contacted XXXX XXXX and advise that I had paid for the gap insurance. They informed me that it was not on the account I went back to the dealer they assured me that they had submitted it, and that they would reach out every time that I have contacted XXXX XXXX. They refuse to listen so I stopped paying the loan come to find out the car dealer not only didn't submit the gap paperwork. They have put falsified information on the loan application such as a address, and a phone number, which do not belong to me, I became aware of this recently and I contacted XXXX XXXX and they refuse to listen or understand what I'm saying. I have disputed this multiple times with Trans Union, XXXX and XXXX the last time that I disputed it XXXX XXXX updated my information to my valid information and now they are trying to collect on it again and it's now reporting that it's delinquent and it's affecting my credit file again, I'm trying to have it completely removed because the information that was provided by the car dealer which is no longer in business provide it on the application an address of XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Delaware and a phone number of XXXX as my legitimate information which is not correct it's false, and based on that I'd like to have this completely removed from my credit file. Upon further review of the paperwork from XXXX, XXXX XXXX and XXXX also the buyers date of birth is incorrect, and the buyers drivers license number is incorrect. The only thing that's listed on this account application or the paperwork is my name all information is listed wrong XXXX XXXX XXXXXXXX. XXXX XXXX is not correct at XXXX date of birth is on these correspondence is two XXXX. My date of birth is XXXX XXXX. The drivers license number is XXXX. My drivers license number is XXXX Where they obtain this information I do not know also, it shows on my paperwork that the protection group I show I have insurance XXXX insurance. I also show LoJack insurance I don't know what that is but it shows that I have the extended service plan, gap insurance, and low Jack, and according to my documentation, I have submitted this, and they refuse to accept it.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (FL)

On XX/XX/XXXX I was made aware that i was scammed by XXXX  XXXX XXXX  XXXX for my {$450.00}. deposit. I immediately called XXXX and found out about this scam from one of their workers and called my bank Santander as well as the XXXX. XXXX XXXX XXXX XXXX and filed a report. Santander put a permanent freeze on my debit account as well as my checking account. A claim was filed with Santander which put a freeze on all my funds. I was told by Santander that I could close my account with them however not until my fraud case was closed. I was told to write in a request to close the account as well as put in my claim number as i was a victim of identity theft. After waiting over 3 weeks and no answers I called Santander to find out the person who filed my claim entered it incorrectly which in turn was going to extend the wait another 10 days. I had called the bank numerous times and spoke to numerous people who were giving me incorrect information which i found out the next time i called. I have been hung up on by managers, put on hold for people not to pick up after waiting over 30 minutes on hold. No one will help and answer what is happening. After four weeks of no money and no answers I finally got the check in the mail. I called Santander to find out why my account was closed with the fraud case still open they said because of the request to close my account. I explained that I was told to submit that letter and the account would not be close until the fraud claim was closed which they said they closed it because of my request. I called Santander over ten times in the span of the four weeks and everytime I spoke to someone I was told different information. Yesterday over a month since this all started i received a letter saying my claim was closed and I was not receiving the {$450.00} i paid which was a fraud. I tried to call the bank and get answers and no one wants to help me. They can not authenticate me when I call because I had to freeze my credit with all 3 credit bureaus. I have had no access to any money for over a month and was denied a claim that was 100 % true due to being a victim of identity theft and no one will take my call and help me. They just closed out my account and said you are not getting your {$450.00} back that caused all of this
Consumer complaint received 2023-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE (CA)

To Whom It May Concern, I am writing to express my dissatisfaction and frustration with a recent experience I had with Golden 1 Credit Union regarding my auto loan payment. I have been a loyal customer, and until now, my experience with your services has been satisfactory. However, the handling of my auto loan payment for XXXX has left me extremely disappointed. 

I noticed a late payment charge on my account for XXXX auto loan payment, which was surprising since I had set up auto-pay through the Golden 1 app. Upon checking, I discovered that the auto-pay feature was inexplicably turned off, resulting in missed payments. This issue led to a significant drop in my credit score by XXXX points, causing me undue stress and potential long-term financial repercussions. 

When I contacted your customer service for assistance, I spoke with multiple representatives, each requiring me to explain the situation repeatedly. Despite my efforts to resolve the issue, the responses were consistently unhelpful and inconclusive. Notably, the last representative suggested that the problem might have been due to XXXX XXXX XXXXXXXX ( XXXX ) putting a stop on the transfer. However, upon contacting XXXX, I confirmed that there were no such holds or stops initiated from their end. 

It is clear to me that the fault lies within the Golden 1 system or process. The lack of accountability and failure to provide a satisfactory explanation or solution is unacceptable. The impact of this error on my credit score and the time wasted in attempting to resolve this issue with your customer service team is concerning and reflects poorly on Golden 1 Credit Unions commitment to customer service. Therefore, I request the following actions be taken immediately : 1. A tho
rough investigation into why the auto-pay was disabled without my authorization.

2. A reversal of any late fees incurred due to this error. 
3. A formal apology for the inconvenience and the poor customer service experience.

4. Measures to ensure such an incident does not recur in the future.

I expect a prompt response to this letter, outlining the steps Golden 1 Credit Union will take to rectify this situation. Failure to adequately address these concerns may force me to reconsider my banking relationship with your institution and seek legal advice. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (WI)

I notice Exeter Finance charged off an account on my consumer report. This account has been damaging. I have not received any proper documentation relating to Exeter Finance writing off this account as a loss. I do not want billing statements as they are not proper documentation. By failing to provide me with the proper documentation will cause complications for both Exeter Finance and me with the IRS.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Carter-Young, Inc. (SC)

During my last few months at the XXXX and move out, I was overcharged. I apartments charge you at move in for the clean out fee and couldn't produce a detailed invoice from the cleaners showing that I owe more. I was also overcharged {$75.00} each month my last 3 months and the manager only removed one. I have studied the landlord tenant laws in South Carolina and I am positive that I am entitled to compensation if I go to court. Not to mention I did not receive the move in special I was promised for doing a look and lease.
Consumer complaint received 2024-04-19
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-12-21
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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my first 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-03-13
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: W&A Intermediate Co., LLC (VA)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2023-12-21
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally file a complaint regarding the numerous unsuccessful attempts to correct a late closed account on my credit file. Despite my persistent efforts to rectify this issue, the inaccuracies persist, negatively impacting my credit profile and causing unwarranted financial consequences. 

There is a late closed account inaccurately reported on my credit file. I have made multiple attempts to correct this error, providing supporting documentation to verify the inaccuracies. 

Despite my consistent efforts to address this matter by following the established dispute procedures, the inaccuracies regarding the late closed account persist on my credit report. Previous dispute requests have not resulted in a satisfactory resolution. 

The presence of this inaccurate information has severe consequences for my creditworthiness, affecting my ability to obtain credit, secure favorable interest rates, and maintain financial stability. 

I request that you conduct a thorough and expedited investigation into the inaccuracies related to the late closed account on my credit file. Attached are copies of the supporting documentation that confirm the inaccuracies and the correct account status. 

Additionally, I insist on clear and timely communication throughout the resolution process and a written confirmation once the investigation is complete. It is crucial for me to receive assurance that this late closed account will be promptly and permanently corrected on my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$12000.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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. (FL)

This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. TransUnion has removed the account, but XXXX and XXXX failed to comply