davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I have always been sent paper statements. Citi discontinued sending paper statements without my request to do so. No emails were sent to me alerting me of payments due. I received voice mails after the payments were deemed delinquent and late fees were charged to me. I called and complained. The late fees were not withdrawn, they will not send paper statements as I have requested and continue to charge me late fees and list me as delinquent and subsequently damaged my credit rating. Im responsible about my payments as my other credit card companies will attest to. I need help from you with this issue. XXXX
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (CA)

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, XXXX, and Experian. 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MS)

Date : XX/XX/18 Amounts : Old Vehicle - {$46000.00} Actions by me : Requesting pay-off with management at location due to the sales tactics that were used. 

Events : I went to XXXX XXXX XXXX looking to trade in my XXXX XXXX to go with something a little more economical. I was informed that there was no option to trade due to balance on truck, ( this was after they took my keys and processed an appraisal. ) I told them no problem and that I would want to keep my truck and continue to pay for it. However, I had test drove a vehicle and they started processing numbers and told me to wait and that I needed to voluntarily surrender my truck to the bank I originally got the loan from, in this situation I asked for my keys and they were not given to me. They had the sales representative follow me to the bank down the road to ensure I gave the truck to them, then had me go back to the dealership and sign for paperwork on the vehicle I test drove. Now I have to suffer on my credit for a vehicle that is not delinquent, due to their XXXX sales tactics. I was intimidated and was forced to do this. I was informed by both the salesman and the Finance Manager that I had no other option and that I was lucky they were looking out for me. This is not the case.
Consumer complaint received 2017-03-25
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: CHECK INTO CASH INC. (NY)

I 've had this prepaid card for some time now. I have a portion of my paycheck deposited to it. On Sunday, XX/XX/2017, I went online to make a purchase. The card was declined. I wonder why when I have close to {$1000.00} saved up so I proceed to try a second time. That 's when I reached out to the card customer service. I was advised that my card was at a negative. They went over numerous transactions which I was completely unaware of. I immediately asked them to shut the card down and requested for a Dispute Form so that I could file a claim. I did everything I was advised to do. File a police report and submitted it along with the completed Dispute on the XX/XX/2017. Today, I received the frustrating and disappointing letter from them indicating that the claim was denied because these were face to face transactions and the card was present. This is completely appalling because I had the card the entire time. I was using the card at work when these transactions were fraudulently being conducted some where else. I 've been struggling these past couple of weeks because this is money I put aside for my every day needs as I am a single mother every penny counts. It will be a great hardship for me to loose these funds. I 'd like to file a formal complaint on this company for the way they have handle this situation. Not only was I not notified on time to avoid the loses but now they basically tell me that I have to go out of my way to reach to each everyone of these merchant and try to get the money back when there is more than enough evidence that these charges were not made by me. This is a great discrepancy and they failed to protect the funds that I work so hard to support my family. It may not be big bucks but is my money. Your assistance in resolving this matter is greatly appreciated. 

Below, I have included the fraudulent charges along with prepaid card company and my information : XXXX GA XXXX Dispute Processing Fax XXXX Tel XXXX Mastercard ending in XXXX : Fraudulent Charges XX/XX/2017 {$83.00} XXXX Ny XX/XX/2017 {$150.00} XXXX NY XX/XX/2017 {$110.00} XXXX NY XX/XX/2017 {$150.00} XXXX XX/XX/2017 {$44.00} XXXX Ny XX/XX/2017 {$57.00} XXXX NY US XX/XX/2017 {$13.00} XXXX, NY US XX/XX/2017 {$12.00} XXXX NY US XX/XX/2017 {$15.00} XXXX NY US XX/XX/2017 {$16.00} XXXX NY US XX/XX/2017 {$140.00} XXXX NY US
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DriveTime (FL)

Ive made several attempts to XXXX credit reporting agency who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. A lot of this reporting is my private business which XXXX has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ).

I request that my state ID reflect my only address that's reachable to me per United States Postal Services.

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : 1. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 2. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy 3. 15 usc 1692e - False or Misleading Representation 4. 15 usc 1692c - Identity Theft 5. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party 6. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods 7. 15 usc 1635 - I always have the right to recission 8. 15 usc 1681b - inaccurate false reporting 9. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( 3 ) reporting agencies 10. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND.

*THIS IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (MO)

Had problem getting online with credit card. Went into branch and PNC person got card accessible online. Asked PNC person several times if balance transfer was an option. Continually the person indicated that balance transfer was an option, but the fee would be 5 % of the transfer amount and that if the balance was not paid for within 12 months interest would be charged from when the balance transfer was initiated. When the transfer was made PNC began charging interest from the beginning. When the transfer was initiated. I have tried to converse with the company on several occasions.
Consumer complaint received 2023-12-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: AMKO Lending, LLC (OH)

I was supposed to close on a house with AMKO LENDIMG. At the last minute just 2 business days before closing they reach out asking for bank statements from a gift donor, they ask for tax transcripts and they want a letter conforming that I was receiving section 8. But they want to count section 8 as an income even though it will not continue after I close on the home. They are ficuring me through all these hoops. Now we are several days past our anticipated closing and there is no type of update in sight. I am highly upset. I am XXXX and so is my XXXX XXXX XXXX son and we probably will be homeless. I am so stressed out. I can't buy food because I can't use my credit cards or money in the bank because it is for my cash to close. I am so stressed out and no one from AMKO Lending can give me straight answer. The XXXX and the processor do it even commicaye with each other. After going under contract I found out my real estate agent and XXXX are brother and sister. I did not know this prior to completing the application. I was told that this did not have to be disclosed because they are step brother and step sister. I feel this deal is totally unfair and I feel that I am being scammed.
Consumer complaint received 2023-07-10
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)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (MD)

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

I sent request for information via email and mail to JJ Marshal and Associates. I have not received the information from JJ Marshal and Associates as to why I am submitting this complaint. I am requesting information from JJ Marshal and Associates in the correspondence attached to this complaint.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (GA)

I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc. (FL)

I went to do an XXXX XXXX XXXX XXXX before the procedure I paid for the service as it was my medical insurance Co-Pay. I have submitted my bank statement several times showing the payment of the {$500.00} being paid. They still have not fixed it in over almost 2 years and refuse to provide more information.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, i.e., the consumer may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. to the Following Companies XXXX ( XXXX XXXX  ), Capital One, XXXX XXXX ( XXXX XXXX  )
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Extortion excess escrow ; with threatened Foreclosure for amounts not due ; attachments define the case with proofs ; opposing counsel states the Stipulated Injunctive order CASE XXXX Document XXXX Filed XX/XX/2015 as brought by FTC and CFPB are not enforceable between customers and Ditech Financial LLC , therefore they did no wrong that can be enforced, or the gist similar thereof ; Phone records and specific calls can be identified with key information, but implications are that the recording of such collections calls by Ditech as required to be kept at 90 % per the agreement, are not discoverable to an individual consumer Ditech has abused
Consumer complaint received 2024-01-03
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: HYUNDAI CAPITAL AMERICA (IL)

I submitted a complaint and the company responded and said that the vehicle was repossessed. However, this is inaccurate because I voluntarily returned the vehicle to a Hyundai dealership. This should not be reflected on my credit report, and I request that the financing company remove this from my record.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

Consumer called Resurgent Capital Services and spoke with XXXX ( service representative ) within 30 days of receiving a Notice of Assignment concerning a XXXX XXXX XXXX  XXXX. account. I informed the agent they where in violation of 15 US Code 6802b as I did not receive any opt-out documentation which is a violation of 15 USC 6802. Agent states there was no opt out. Which is an admission of the violation. 

XXXX XXXXXXXX XXXX XXXXXXXX. shared my information with nonaffiliated third parties which violates the Privacy Act of 1974. 

Also, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliiated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of title 15. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has made this violation which goes against there own Privacy statement given to the consumer. 

I would like this account settled and marked as Paid as Agreed or pay the penalties to me listen in 15 U.S. Code 1825 - Violations and penalties. {$2000.00} per violation.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. 
Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security. 
In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me. 
Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974. 
If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law. 
Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( XXXX : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Originalcreditor : ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX : {$1000.00} ; XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX SXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I am filing a formal complaint regarding the XXXX account ( XXXX ) currently listed on my credit report. Despite a previous dispute, these accounts have not been removed. 

Account Information : There are several account from XXXX in my report and I am disputing all the accounts and inquiries related to this creditor. 

Creditor Name : XXXX  I dispute the validity of these accounts as I do not recall opening them with XXXX. I am formally requesting debt verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The persistence of these accounts on my credit report, despite prior disputes, represents a clear violation of my rights under the FCRA. It is the responsibility of credit reporting agencies to ensure the accuracy and validity of consumer credit reports. 

I demand a thorough reevaluation of this dispute and immediate removal of the contested XXXX account ( s ) from my credit report. Furthermore, I request comprehensive written verification of the debt, including documentation proving my involvement and agreement to these accounts.